What if the next 10 years of your life could be your best 10 years — not just financially, but personally?
Most people approach retirement thinking about one question: “Do I have enough?”
But that’s not the question that determines whether retirement actually feels steady, meaningful, and free.
Most retirees spend an enormous amount of time gathering information — articles, opinions, projections, market commentary. It feels productive. But information doesn’t create confidence.
Prioritization does.
And that’s where most people get stuck. They’re busy… but not always clear.
There’s a principle in economics called the Pareto Principle — the idea that a small number of decisions drive the majority of outcomes. Retirement works the same way. A handful of key decisions quietly shape how the next decade feels. Not dozens. Not hundreds. Just a few.
The key isn’t knowing everything. The key is knowing which decisions matter most.
For example:
- How you structure your base income.
- What you do with money once that base income is covered.
- How intentionally you manage taxes over time.
- How prepared you are for rising healthcare costs — and the possibility of needing extended care.
- And whether your estate plan reflects your values, not just default settings.
Each one of those decisions carries more weight than most people realize. And when they’re made intentionally, retirement doesn’t just work on paper — it feels coordinated.
If you’re on my email list, you’ll notice something intentional going forward. Instead of frequent updates or market commentary, you’ll receive one Pivot Point each month.
One decision. One idea. Focused on what truly shapes retirement.
No noise. Just clarity.
Most retirement stress doesn’t come from a lack of money. It comes from a lack of coordination. When the right decisions are made intentionally, the next 10 years don’t just happen — they’re shaped.
That’s what Pivot Points is about. And next month, we’ll start with the first one.
If you ever want help shaping these decisions into a coordinated plan, you can schedule a Fit Session with us when the time feels right.