For Pre-Retirees
The Next 10 Years Determine the Next 30
The window before retirement is when the right decisions compound most powerfully. Heirloom helps you close any gaps, reduce taxes, and enter retirement with a clear, confident plan.
Key Challenges
The Final Stretch Has the Highest Stakes
The years just before retirement offer the greatest opportunity to strengthen your financial position — and the least margin for error.
Not Enough Time to Recover
A major financial misstep in your fifties is far harder to recover from than one in your thirties. The cost of inaction or poor decisions rises sharply as retirement approaches.
Retirement Readiness Uncertainty
Most pre-retirees are unsure exactly when they can retire or how much is truly enough — without a formal plan, that uncertainty rarely resolves on its own.
Missed Savings Opportunities
Catch-up contribution limits, peak earning years, and Roth conversion windows are available now but close permanently once you retire or your income changes.
Tax Planning Complexity
Navigating concentrated stock positions, deferred compensation, and account conversion strategies requires proactive decisions years before you actually retire.
Social Security Timing
Deciding when to claim Social Security and how to sequence it with other income sources can affect lifetime benefits by six figures or more.
Our Process
How We Work With You
Discovery
We map every income source, account, expense, and goal to understand your complete financial picture.
Analysis
We model scenarios across market conditions, tax strategies, and timing to find the optimal path.
Strategy
We deliver a clear, written plan with specific, actionable recommendations.
Ongoing Review
We meet regularly to adjust for life changes, tax law updates, and market conditions. Your plan evolves with you.
Heirloom's Approach
Build the Foundation Before You Need It
We partner with pre-retirees to stress-test their retirement readiness, close critical gaps, and execute the tax and savings strategies that pay dividends for decades.
- Retirement readiness analysis with clear target timelines
- Catch-up savings and Roth conversion strategies in peak earning years
- Tax-aware drawdown planning designed years before retirement begins
- Social Security and pension optimization for couples and individuals
- Investment portfolio repositioning to reduce risk as retirement nears
How We Help
Retirement Income Planning
Model sustainable income streams across Social Security, accounts, and investments so you know what retirement actually looks like for you.
Learn moreTax Planning
Maximize the tax-advantaged strategies available to you now before retirement changes your income picture permanently.
Learn morePortfolio & Risk Analysis
Right-size your investment allocation as retirement approaches — balancing growth potential with the stability you will need.
Learn moreAre You Truly Ready for Retirement?
Book a free strategy session and we will give you an honest assessment of where you stand today — and exactly what it will take to retire on your timeline.
Book Your Free Strategy Call