5 Financial Mistakes Pre-Retirees Make — and How to Avoid Them
Intro:
Retirement is a time for freedom, not financial regret. Yet many successful professionals unknowingly make costly mistakes in their final working years. Here are 5 of the most common — and how to avoid them.
Section 1 – Ignoring Tax Planning
Mistake: Not planning tax-efficient withdrawals.
Fix: Learn how to use tax-deferred and tax-free accounts strategically.
Section 2 – Underestimating Longevity
Mistake: Planning to age 80.
Fix: Use conservative life expectancy models — plan to age 90+.
Section 3 – Delaying Estate Planning
Mistake: Putting off wills, trusts, and POAs.
Fix: Start your legacy plan early.
Section 4 – DIY Investment Errors
Mistake: Managing a complex portfolio solo.
Fix: Use professional platforms or vetted tools (insert affiliate link here).
Section 5 – Not Planning for Inflation
Mistake: Assuming today’s costs will remain stable.
Fix: Account for 2–3% yearly inflation in spending models.
Conclusion:
Avoiding these mistakes can make your transition to retirement smoother, smarter, and far more confident.
CTA:
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