The Five Transitions to Retirement™
Retirement is often treated as a single date on a calendar.
In reality, it is a series of interconnected decisions that affect your health, income, taxes, lifestyle, and family.
The Five Transitions to Retirement™ provides a framework for understanding those decisions before they become urgent.
1. Healthcare Transition
How will I access healthcare after employment?
We help individuals understand the relationship between employer coverage, Medicare, healthcare costs, enrollment timing, and retirement planning.
Topics may include:
Employer health insurance versus Medicare
Medicare enrollment timing
Coverage coordination
Healthcare expenses in retirement
Long-term care considerations
[Explore the Healthcare Transition]
2. Income Transition
How will I replace my paycheck?
Retirement requires moving from earning income to creating income from Social Security, pensions, retirement accounts, savings, and other resources.
Topics may include:
Social Security timing
Pension decisions
Retirement-income needs
Withdrawal planning
Strategies for dependable retirement income
[Explore the Income Transition]
3. Tax Transition
How much of my retirement income will I keep?
The way retirement income is structured can affect taxes, Medicare premiums, Social Security taxation, and long-term financial flexibility.
Topics may include:
Taxation of retirement-account withdrawals
Required Minimum Distributions
Social Security taxation
Medicare income-related premiums
Tax-aware retirement strategies
[Explore the Tax Transition]
4. Lifestyle Transition
What kind of retirement am I creating?
Retirement is more than leaving a job. It is a change in routine, identity, relationships, purpose, and how you spend your time.
Topics may include:
Retirement goals
Lifestyle spending
Family priorities
Travel, service, and community involvement
Purpose beyond employment
[Explore the Tax Transition]
5. Legacy Transition
What do I want my life and resources to accomplish?
Legacy is not simply about transferring money. It is about protecting people, communicating values, serving others, and making your impact intentional.
Topics may include:
Beneficiary reviews
Life insurance
Family protection
Charitable giving
Estate-planning coordination
Wealth and values transfer
[Explore the Legacy Transition]
Most Retirement Plans Focus on Money.
Retirement Confidence Requires More.
• Healthcare decisions affect income.
• Tax decisions can affect Medicare premiums and retirement spending.
• Lifestyle goals influence how much income is needed.
• Legacy priorities affect protection, giving, and distribution decisions.
Each transition affects the others.
That is why retirement should be viewed as a connected system—not a series of isolated decisions.
Legacy by Design helps bring those pieces together.
How Prepared Are You for the Five Transitions?
The Retirement Confidence Self-Assessment™ helps you evaluate how prepared you currently feel across:
Healthcare
Income
Tax
Lifestyle
Legacy
Your results can help identify:
Your strongest transition
Areas of uncertainty
Potential blind spots
Important next steps
This is not a financial plan or a product recommendation.
It is a starting point for greater awareness, clarity, and confidence.
[Take the Self-Assessment]
[Request a Retirement Confidence Review]