Clients who must retire earlier than planned because of downsizing or their own or a family member's health issues are turning to advisers to help them navigate their financial challenges. Some common planning advice includes having clients defer Social Security until the full retirement age or after, take distributions from taxable accounts before tax-deferred accounts and use Roth IRAs as a planning tool to pay taxes. The goal, says one adviser, is to have a 4% distribution rate from investments. Otherwise, the client should consider working part-time and reducing expenses.

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