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Solutions for
Pre-Retirees
Plan the transition with confidence and prepare for retirement with Heirloom’s Live Well Plan™, tax-aware planning, investment management, and retirement income strategy built around your goals.
Heirloom Wealth Management works with clients across the country to organize, simplify, and coordinate the financial decisions that matter most as you shift from building wealth to turning it into a lifestyle. Our work spans investment management, planning, and tax-aware strategy—built into a cohesive “Live Well Plan™” designed around your priorities.
Pre-Retirement Planning Services
Solutions for Pre-Retirees
If you’re within roughly 3–10 years of retirement, the questions tend to get more specific—and more important:
Can I retire when I want to?
How much can I spend—without guessing?
Which accounts should I draw from first (and why)?
How do I reduce avoidable tax friction as my income changes?
Is my portfolio’s risk level actually aligned with the life I want next?
Key Challenges Pre-Retirees Commonly Face
Retirement readiness (without guesswork)
Pre-retirement is often when the “I think I’m fine” feeling needs to become “I know what my plan says.” That means getting clear on timelines, spending needs, and what tradeoffs actually look like in the real world.
Tax strategy becomes a retirement strategy
In the final working years, tax decisions can have long tails: how you fund retirement, manage distributions, and build flexibility across account types may affect what you keep, what you can spend, and what you can pass on (depending on your situation).
Risk alignment and downside management matter more
Many investors are surprised to learn how much risk they’re actually taking—or that they’re taking the same risk repeatedly across overlapping funds/ETFs. As retirement approaches, the cost of misalignment (emotionally and financially) can rise.
“Buckets,” withdrawals, and Social Security timing
Pre-retirees often need a plan that integrates:
Where income will come from year by year
Which accounts to draw from first
How to think about Social Security timing
How to design portfolios around spending needs and market uncertainty
Planning beyond retirement (estate, insurance, debt, family priorities)
As you transition, it’s also common to revisit:
Insurance and risk management decisions
Debt payoff strategy and monthly cash flow
Estate and legacy intentions
Support for kids (including college) and charitable goals
Heirloom’s Approach for Pre-Retirees
The practical benefits clients typically experience include:
1. Start with your “why,” then quantify the “how”
Heirloom’s planning process begins with discovery - getting clear on what you want retirement to look like - then translating that into a plan that connects goals to numbers, timelines, and next steps.
2. Build your Live Well Plan™
Your Live Well Plan™ is designed to help you see:
Where you stand today
What could be improved, adjusted, or simplified
The tradeoffs behind major decisions (retire date, spending, taxes, portfolio risk)
3. Align portfolio risk to real life (not assumptions)
We focus on making sure your portfolio’s risk level matches your goals and your tolerance - so the strategy is something you can stick with through market cycles.
4. Create a retirement income strategy that considers taxes and time horizons
For pre-retirees, the goal isn’t just “invest for growth.” It’s also building an approach for:
Funding retirement spending from appropriate sources
Coordinating “buckets” of money for flexibility
Managing tax brackets thoughtfully (based on individual circumstances)
Planning for “lumpy years” (travel, vehicles, home projects, family events)
5. Ongoing education and proactive communication
Heirloom emphasizes client education - so you understand what you’re doing and why you’re doing it - especially around retirement decisions, portfolio risk, and tax-aware strategies.
6. Transparency and fiduciary alignment
Heirloom Wealth Management is fee-only and built to minimize conflicts of interest - so advice is focused on what best supports your plan.
Important disclosures: Investing involves risk, including the potential loss of principal. Tax and legal information should be discussed with your qualified professionals. Any discussion of performance is for informational purposes only - past performance does not guarantee future results.
Schedule A Strategy Session with Our Team
This initial conversation is designed to understand your goals, current situation, and priorities. You’ll have the opportunity to ask questions, explore how Heirloom’s integrated approach works, and determine whether a longer-term relationship makes sense—without pressure or obligation.
Our Services
A coordinated approach to managing investments, planning, and cash flow, designed to bring clarity and confidence to your financial life today and over time.
Tax strategies integrated with your broader wealth plan, helping inform decisions, improve efficiency, and support long-term outcomes through coordinated planning.
Contact
6400 S Fiddlers Green Circle
Suite 1970
Greenwood Village, CO 80111
3200 Cherry Creek S Dr.
Suite 130
Denver, CO 80209
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The information provided on this website is for general informational purposes only and is believed to be from reliable sources; however, its accuracy or completeness is not guaranteed. This material is not intended to provide tax, legal, or investment advice. Individuals should consult with qualified tax or legal professionals regarding their specific circumstances. Nothing contained herein should be construed as a solicitation or offer to buy or sell any security.
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Investment advisory services are offered through Heirloom Wealth Management LLC, a Registered Investment Adviser.