Retiring in the next 6–12 months? What to focus on now and how TS Prosperity Group can help.
February 26, 2026 | TS Prosperity Group
If you’re planning to retire within the next year, you’re likely feeling a mix of emotions. There’s excitement about what’s ahead, yet a mountain of questions.
- Can I really afford to retire this year?
- Am I claiming social security at the right time?
- What happens if markets are volatile right after I stop working?
- How do I turn my savings into dependable income?
Retirement is close, so now is the time for clarity. These decisions will shape your experience for years to come. At TS Prosperity Group, we help individuals and couples prepare for retirement with clear planning, realistic expectations and ongoing fiduciary guidance, so you can move forward with confidence.
Know your retirement income sources
Before your last day of work, it’s essential to understand how your retirement income will replace your paycheck. This includes reviewing 401(k)s, IRAs, pensions and other savings.
How TS Prosperity Group can help: We will discuss how your income fits together, including what's dependable, what may fluctuate and how long your savings are designed to last.
Make a thoughtful social security decision
When you claim social security is one of the most important retirement decisions you’ll make. Claiming too early or too late can impact lifetime income and taxes.
How TS Prosperity Group can help: We evaluate social security in the context of your full financial picture, including health, marital status, taxes and long‑term goals.
Plan for healthcare and insurance costs
Healthcare is often one of the largest expenses in retirement. Understanding Medicare enrollment, supplemental coverage as well long‑term care options is key to avoiding surprises.
How TS Prosperity Group can help: We can help you navigate these decisions so healthcare costs are planned and not reactive.
Create a realistic retirement spending plan
Retirement spending changes over time. Travel, hobbies and lifestyles often increase expenses early on, while other costs may decline later.
How TS Prosperity Group can help: We work with you to build a retirement budget that supports your lifestyle while protecting long‑term financial security with confidence.
Additionally, when you move from saving to spending, managing risk becomes just as important as pursuing returns. Our investment approach prioritizes risk management and income sustainability while maintaining long-term growth potential.
Review estate plans and beneficiaries
As retirement approaches, it’s important to ensure wills, trusts, taxes and beneficiary designations are current and aligned with your wishes. Estate planning is about more than documents; it’s about protecting the people you care about and simplifying things for them down the road.
How TS Prosperity Group can help: With over 100 years of trust and estate administration experience, we understand the fiduciary risks retirement can bring, and we will work alongside you to ensure that you and your family are protected so you can enjoy retirement your way.
Now is the time for someone to walk alongside you so you are confident in your retirement transition. Schedule a complimentary discovery session with TS Prosperity Group and move into retirement with confidence, not question marks.
Investment products offered by TS Prosperity Group are: Not a Deposit • Not FDIC Insured • Not Insured by any Federal Government Agency • Not Guaranteed by the Bank • May Go Down in Value.