Preparing your checklist...
Ensure a smooth transition from earning to spending your nest egg.
62 (reduced), 67 (full), or 70 (maximum) — run the breakeven math
Mark the date; late enrollment = lifetime premium penalties
Roll old 401(k)s into one IRA for simplicity
Order: taxable → tax-deferred → Roth; optimize for tax brackets
Convert in low-income years between retirement and RMD age
ACA marketplace, COBRA, or spouse's plan until Medicare
Typical retirees need 70-80% of pre-retirement income
LTC insurance or self-insurance strategy for potential care costs
Shift to more conservative allocation; protect against sequence risk
Trust, will, POA, healthcare proxy — all current and filed