A useful retirement plan reflects real life: what you need to spend, what is taxed, what health care will cost, how long the money must last, who else depends on you, and when to claim Social Security.
Wealth Wise Women helps participants understand each piece of a retirement plan so decisions can be made with more context and less guesswork. A do-it-yourself approach can work, but it often leaves out the experience that helps avoid unintended consequences. Our aim is to increase your self-agency first, and to make the path to professional help clear when experience is what the situation calls for.
Education explains how something works. Analysis compares scenarios using general assumptions. Coaching helps you apply concepts to your own questions in a group setting. Advice is a recommendation for your specific situation, and it happens only inside a separate advisory relationship.
Workshops and coaching sessions on this site are education and coaching. Nothing here is a recommendation to buy, sell, claim, or convert.
Roth conversions are frequently presented as a straightforward win. In practice the result depends on assumptions about future tax rates, Medicare premiums, the size of the conversion, the years available, and the assumed rates of return. We teach how those assumptions work and where they commonly go wrong.
