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Retirement should be a time to relax, travel, and enjoy life without financial stress. Yet, 63% of retirees say their biggest regret is not having a clear plan before retiring. Most people think gaining a certain savings number, like $1 million, means success. But after helping thousands of families across Ohio, Michigan, and Florida, our team at America’s Retirement Headquarters (ARHQ) has found something different: thriving retirees follow a proven three-step system. The ones who struggle make predictable, avoidable mistakes.
In this guide, we’ll show you the Retirement TEAM Action Plan, a system that helps you manage money, protect assets, and secure your legacy. Let’s make sure your retirement isn’t part of that 63%.
Many people believe retirement success is about the amount saved. But success actually depends on addressing key risks and using smart strategies. Consider two couples:
Tom & Sue retired in 2007. They had large 401(k)’s but no real plan. Then 2008 hit. Their accounts dropped sharply, and they kept withdrawing money, a double hit that ruined their confidence.
Dave & Kathleen, on the other hand, met with our ARHQ team before retiring. Together, we created a strategy for income, growth, and protection. Today, they’re thriving, traveling to Aruba, spending time with grandkids, and sleeping well. The difference? A structured, stress-tested plan.
People are living longer and prices keep rising. That means your money needs to last many more years after retirement. Having a good plan helps you stay comfortable instead of worrying about running out of savings.
In addition to starting savings late, some retirees also neglect other planning activities. Many are now realizing that mistake, with a Schroders survey finding that 63% of retirees wish they had planned more before retirement. According to a working paper on financial regrets from the National Bureau of Economic Research, more than a quarter of retirees who haven't saved enough attribute it to not planning for the future.
Proper planning doesn’t just secure your finances; it gives you emotional peace of mind. Knowing you’ve prepared for healthcare costs, market shifts, and living expenses brings lasting confidence and security.
During your working years, growth is key. In retirement, the goal shifts to preservation and income stability. To do this, you must know three numbers:
These numbers show how much risk your retirement portfolio can truly handle.
Many retirees face a silent danger: taking withdrawals during market downturns. Tom & Sue learned this the hard way in 2008. To prevent it, ARHQ runs a Monte Carlo analysis to simulate thousands of market scenarios. Our goal: at least a 90% probability of retirement success so you can sleep at night knowing your plan is built for both good and bad markets.
At ARHQ, we use the Independent Income System, assigning every dollar a purpose:
This structure replaces guesswork with confidence and predictability.
Healthcare is one of the biggest financial drains in retirement. Medicare doesn’t cover everything, and long-term care can cost $8,000 to $12,000 per month.
At ARHQ, we help retirees create healthcare protection plans, from optimizing Medicare coverage to evaluating long-term care insurance, Medicaid strategies, or self-funding options. Early planning ensures your assets and spouse stay protected.
Choosing between Original Medicare, Medicare Advantage, and Medigap can be confusing. We guide you through enrollment, annual plan reviews, and cost comparisons to ensure your healthcare coverage fits your needs. Here is our Medicare helping Plan.
Retirees often underestimate taxes. Every 401(k) or IRA withdrawal adds to your income tax bill. Without a tax plan, you might pay thousands more than necessary.
Our specialists help you plan Roth conversions, time your withdrawals wisely, and minimize Required Minimum Distributions (RMD) penalties. The goal is simple: keep more of what you worked for. Here are our Tax specialists.
One outdated form can undo your life’s work. We often find errors in 90% of the beneficiary forms we review. The famous “Pension Pickle” case, where a spouse lost everything because the form wasn’t updated, is a reminder to check yours.
You don’t need millions for an estate plan. Even simple online tools like FreeWill.com can help you create essential documents quickly.
If something happens to you, will your spouse be financially secure? We help ensure income continuity with life insurance and detailed financial documentation. Estate planning isn’t just legal, it’s love and protection in action.
Retirement isn’t one-size-fits-all. Every state has unique tax and legal rules. That’s why ARHQ serves retirees across Ohio, Michigan, and Florida, providing local expertise that national firms often overlook.
Our advisors offer both in-person and virtual consultations, ensuring retirees get personal, trusted guidance every step of the way.
When Dave & Kathleen started planning with ARHQ, we assessed their income needs, stress-tested their portfolio, optimized taxes, reviewed Medicare options, and updated estate documents. Today, they enjoy financial freedom, regular travel, and complete peace of mind.
The difference between confident and anxious retirees isn’t luck; it’s planning. Most clients who complete the TEAM Action Plan discover gaps they didn’t know existed. Fixing those gaps early can save tens of thousands later.
You can start your own Retirement TEAM Action Plan today:
Small steps now can create big peace later. Don’t wait for regrets, plan for success.
Schedule your free consultation with America’s Retirement Headquarters today and retire with confidence. Click Here.
Most retirees regret waiting too long to plan. You don’t have to. With America’s Retirement Headquarters by your side, you can create a predictable, stress-free retirement plan that adapts to your goals and protects your family.
Your golden years should be about living fully, not worrying about money.
Let’s create your personalized Retirement TEAM Action Plan today. Click Here.
Money News: https://money.usnews.com/money/retirement/baby-boomers/articles/retirees-share-their-biggest-regrets
You’ve worked hard to build your wealth — now it’s time to protect it. Our complimentary Retirement TEAM Action Plan Review gives you clear strategies to safeguard what you’ve built and discover how to take your retirement from good to great.
Start protecting your retirement today — not tomorrow.
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