I'm A Retirement Advisor: Here's What I Tell Every Client At 62

Comments · 431

• JA

  @jamesconole-cfp · 2 months ago (edited) · pinned

  👉 Watch this free retirement training where I walk through the Sequoia System and show how to turn your savings into a reliable, tax‑efficient retirement paycheck:<br><a href="https://www.youtube.com/watch?v=7lpp3XXiDyQ">https://www.youtube.com/watch?v=7lpp3XXiDyQ</a>

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• PE

  @petermay6065 · 1 month ago

  Retired at 60.5, a pilot. Flew EMS the final 8 years, a very fulfilling job. The 3rd shift hours and time away from home were like a cancer, but otherwise cherished my job and career. Pulled the plug, and 2.5 years later, only miss it a little. Getting my life back was insanely beneficial for me. Jump in, the waters great!

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• PA

  @Paul-GrnHil · 2 months ago

  Working until 64 when I could have retired years earlier is not a regret. I loved my job, I increased my vacation benefit the last few years by foregoing raises, due to Covid I transitioned to remote work, and I am now living my retirement with financial freedom to travel extensively and fund my grandchildren’s education. My last 5 years of work were not drudgery but rather my 5 best!

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• WI

  @williams8198 · 2 months ago

  Running out of time not running out of money. &nbsp;Well said.

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• JA

  @jasonbroom7147 · 2 months ago

  BS6, EDM(x2), retired at 55, living well, but still within our means. &nbsp;No regrets as we enjoy the youth of our retirement years. &nbsp;There is a slight chance markets crash long enough to force us into &quot;austerity&quot; measures, for a time, but I&apos;ll take that over working 5-7 more years that we could NEVER get back!

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• LA

  @lance7973 · 2 months ago

  I retired at 56 last October. My fear was losing an identity that I didn’t even like toward the end of my career. I also didn’t want to step into another phase of life. That scared the hell out of me. Now, I’m so glad I pulled the plug on my crappy job.

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• YO

  @YourSolventUncle · 2 months ago

  It’s crazy how one tiny habit can change your entire trajectory, and I swear every time I tell a 62‑year‑old client this, their whole face shifts. Here’s the part nobody thinks about: at 62, the U.S. system quietly hands you three clocks — Social Security timing, RMD timing under IRS rules, and healthcare timing — and the way you manage them determines whether you thrive or struggle. I’ve seen people boost their lifetime Social Security income by 20–30% just by delaying benefits, and others save thousands in taxes by planning around the SECURE Act’s RMD schedule. But the real game‑changer? A weekly 15‑minute check‑in on spending, investments, and health coverage. That tiny habit alone helps clients avoid the financial chaos that hits nearly 45% of Americans in early retirement. It sounds simple, almost silly, but once you start doing it, your entire retirement path snaps into clarity like someone turned the lights on.

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• JO

  @joshsantacruz · 2 weeks ago

  &apos;Moving from what you do for a living...to who you want to be.&apos; ~great insights, James.

• NA

  @nahha9529 · 2 months ago

  The two people I knew who retired at 62 had both gone back to work. &nbsp;Inflation doesn&apos;t respect your age. &nbsp;They both used the opportunity to go into different fields.

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• BO

  @bonro001 · 2 months ago

  Hands down this is the best video you have made, was just starting to work this out. &nbsp;When we had an advisor I kept asking these questions and not getting actual answers. &nbsp;Great job!

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• GA

  @gauravipal5691 · 2 months ago

  If someone has $2 million at time of retirement, unlikely that a long term care event would drain their accounts and there would be a need to get reverse mortgage.

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• MI

  @mikeyluk5113 · 2 months ago

  Retired at 59 from federal government, I am now 64. &nbsp;I (and my wife), financially planned our entire life. &nbsp;Net worth now around $6M. &nbsp;You can’t predict changes to the law or the tax system. I would have/should have invested much more in Roth IRAs vs. traditional. I shouldn’t complain, but when I start taking from Ira’s and my MRD‘s from my government TSP, a 1/3 of that will go to Taxes. &nbsp; I’m taking social security next year and I will avoid the irmaa cliff. &nbsp; I believe having a good financial planner is very important because it’s hard to keep up with all the rule changes.

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