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Financial guide for pre-retirees

The last decade before retirement — maximise contributions, optimise taxes, and build a clear distribution plan.

The decade before retirement is the highest-stakes planning period. Your portfolio is large enough that allocation and tax decisions matter enormously. The choices you make now — Roth conversions, capital gains timing, Social Security strategy — can affect your income in retirement for 30 years. Catch-up contributions (extra $7,500/year in a 401(k) after age 50) are available to you. Roth conversions before RMDs begin at 73 can significantly reduce your lifetime tax burden. This is not the time for passive financial management.

Your curated tools

Free calculators and guides selected for your situation

Retirement Planner

Full Monte Carlo projection — see if you're on track and identify the gaps

Roth vs Traditional

Model Roth conversions before Required Minimum Distributions kick in at 73

Capital Gains Calculator

Plan asset sales with full tax impact — long-term vs short-term, NIIT

Net Worth Tracker

Your complete picture — retirement accounts, taxable investments, real estate

Recommended reading

→Social Security timing strategies →Understanding Required Minimum Distributions →Roth conversion ladder explained → Browse all articles

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Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. View full disclosures →