Retirement planning

Make room for what’s next.

Retirement may mean leaving medicine, working less or simply having more choice. Your plan should begin with that picture.

Plan your next chapter
People walking down a sunlit city street in the morning

Bring the pieces together.

Workplace accounts, personal savings and future income each play a part. See how they relate before deciding what to change.

Plan for the transition.

A medical career can leave fewer years at peak earnings. The saving years and the spending years deserve equal attention.

01

Build

Review the accounts available to you, current contributions and competing needs like loans, housing or a practice investment.

02

Adjust

See how a different retirement date, fewer clinical hours or a change in spending would affect the plan.

03

Draw

Decide where income will come from, when to take withdrawals and benefits, and how taxes interact.

What planning can consider.

Estimates, not guarantees, revisited as life changes.

Every account in one view

Workplace plans, IRAs, Roth and taxable accounts, and outside balances considered together, year by year.

On track, or the gap

Compare projected savings with the income you expect to need, and what a different contribution could change.

The right account order

Pre-tax, Roth and taxable contributions weighed against your tax bracket and career stage.

Social Security after a late start

Benefits are based on your highest 35 years of earnings, so training years and a later start can affect the estimate.

Your spouse or partner

Their accounts, expected benefits and retirement goals belong in the household plan.

Common questions.

I started earning late. Is it too late to catch up?
Often not. A higher income over a shorter window changes the math, so the contribution rate matters. A projection helps show what it would take.
How should I think about Roth and traditional accounts?
Consider current and future taxes, eligibility, employer options and access to the money. The appropriate account mix depends on your circumstances; coordinate tax decisions with your tax professional.
Can I plan to work part-time before retiring?
Yes. A gradual move out of clinical work is a useful scenario to discuss. Bring the income, benefit and spending assumptions that would change as your hours change.
Is a retirement projection a guarantee?
No. Projections depend on assumptions about returns, inflation, contributions and spending. They help compare choices and should be revisited as circumstances change.

What would you like next?

A different pace of work, more time with family or a date to aim for. Start with the life you want to plan around.

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