For savers approaching retirement
Get a written retirement plan for spending.
You spent 30 years saving. Nobody built you a plan for spending it. Now get one written plan that answers how much you can spend, when to claim Social Security, and how to keep more from taxes, so you stop guessing.
A 4 minute look at the Retirement Confidence Builder. Sunwook Jin, CFP®, EA, Redwood Financial Network
Book your Retirement Confidence Call45 minutes. Complimentary. This call is planning, not a product presentation.
You will leave with a clearer read on your plan whether you work with us or not. Redwood Financial Network is an SEC registered investment adviser. Registration does not imply a certain level of skill or training. Examples are hypothetical and for illustration only.
A fiduciary second opinion, not a product presentation
The real problem
Retirement anxiety is not a money problem. It is a clarity problem.
Picture two couples. One has $1.5M and feels anxious. One has $800,000 and feels settled. The difference was never the balance.
Sound familiar?
- You have a pile of accounts and products, but no plan you can actually follow.
- No account balance ever fully settles the question of whether you have enough.
- You spent three decades training yourself to save, and now you cannot make yourself spend it.
- Every free review you have sat through turned out to be a presentation for a product.
Nobody told you the part that matters. A bigger balance was never the answer. Confidence comes from a written plan, one that coordinates your income, your taxes, and your household into a single picture. That is the gap, and it is a fixable one.
The Retirement Confidence Builder
Four parts. One written plan.
Three meetings turn scattered accounts into a plan you understand, believe, and can follow. Built for you personally, not pulled off a shelf.
The Paycheck Plan
Scattered accounts become one reliable retirement paycheck. You have a documented answer for what you can spend each year, with a spending level built to last across a 30 year retirement.
The Tax Map
Sequence your withdrawals, time Roth conversions in the pre-RMD window, and plan around RMDs and IRMAA. Designed to reduce what you pay in taxes across decades. Built by an Enrolled Agent.
The Coordination Layer
Social Security timing across both spouses, Medicare, long term care, beneficiaries, and insurance, coordinated as one household plan, so the survivor’s income is planned for.
The One-Page Picture
Your entire financial life on a single page, walked through with you, plus annual reviews so the plan stays alive and gets executed, not filed away in a drawer.
This sits on top of what you already have. It is a second opinion, not a reason to fire your advisor or move your money. You keep what is working, and finally see the whole picture.
What changes
From a stack of accounts to one clear plan
An illustrative look at the kind of situation we untangle, and what the other side looks like.
Illustrative example
Couple, early 60s, about $1.4M across five accounts
Illustrative composite for explanation only. Not a testimonial, and not an assurance of any outcome. It does not represent any actual client. Every plan is built to the individual household.
The confidence comes from clarity, not from optimism. That is the entire idea behind the Retirement Confidence Builder.
If you have a million dollars in your IRA, you do not have a million dollars. Until someone maps the taxes, you cannot know your real number.
Honest fit
Who this is built for
This is for you if
- You are within 5 to 10 years of retirement, or just over the line, and want to get the transition right.
- You spent 30 years saving, and now want one plan, not another product.
- You want a written answer to how much you can spend, when to claim Social Security, and how to keep more from taxes.
- You want a fiduciary second opinion you can implement with anyone.
This is not for you if
- You are looking for a hot stock tip or a promise to beat the market. We do not do that, and no honest advisor should.
- You want someone to manage your money without first building the plan behind it.
- You are decades from retirement and still purely in accumulation mode.
- You are not willing to do your part, which means pulling the statements and having the real conversation.
Sunwook Jin
Founder and Managing Director, Redwood Financial Network
For 26 years I have helped pre-retirees and business owners turn complexity into clarity. I am a CERTIFIED FINANCIAL PLANNER™ professional and an Enrolled Agent, admitted to practice before the IRS, and I wrote three books, including There Are No Do-Overs at Retirement.
I build every plan personally. Our firm has served about 300 households over 16 years, and the plans are built to be followed, not shelved.
The first call costs you nothing and commits you to nothing. We will look at where you are, find the gaps, and you will leave with a clearer read on your retirement, whether you decide to work with me or not.
Your Retirement Confidence Call
Book your complimentary 45 minute call
Answer four quick questions so we can make the call specific to your situation, then pick a time. Planning with a spouse? Bring them. These decisions are made as a household.
Fiduciary advice. No obligation. This call is planning, not a product presentation.
One written plan. Then you stop guessing.
Pick a time for your Retirement Confidence Call and bring your questions.
Book your Retirement Confidence CallInvestment advisory services offered through Redwood Financial Network, a Registered Investment Advisor. This material is for general information only and is not intended to provide specific advice or recommendations for any individual.
Redwood Financial Network is an SEC registered investment adviser. Registration does not imply a certain level of skill or training. The content on this page is for general educational purposes and is not individualized investment, tax, or legal advice. No strategy assures success or prevents loss. Examples shown are hypothetical and illustrative only. They are not testimonials, do not represent any actual client, and are not an assurance of future results. Roth conversions, withdrawal sequencing, and Social Security timing carry tax consequences that depend on your personal situation. Social Security references reflect the law as currently written. Please consult a qualified tax or legal professional regarding your circumstances.