Debt is one of the biggest problems we see for retirees and pre-retirees. Eliminating debt can be one of the hardest steps to financial independence in retirement. Helping our clients with this is important to us.

When you retire, income typically shifts from a regular paycheck to fixed sources like pensions, Social Security, or investment withdrawals. Debt payments can eat into these limited resources, leaving less room for essentials, healthcare, travel, or leisure. Worse, high-interest debt can compound over time, eroding your savings and forcing difficult choices. By eliminating debt before retirement, you reduce financial risk and increase your ability to enjoy the lifestyle you’ve worked so hard to achieve.

We offer personalized strategies to help you tackle debt efficiently and sustainably. Our advisors work with you to assess your current financial picture, prioritize high-impact debt, and create a realistic payoff plan that aligns with your retirement goals.