Financial Planning · 2025
A retirement they could finally trust
Retired physicians, mid-fifties
12 to 3
Accounts consolidated
94%
Plan success rate
Set
Retirement date
Overview
A two-doctor household with strong income, scattered accounts, and no clear answer to the one question that mattered: can we stop working?
The situation
They had saved diligently for twenty years across a dozen accounts and old employer plans, but nobody had ever pulled it into a single picture. Without a plan, every market dip felt like a threat to a retirement date they could not name.
Our approach
We consolidated the accounts, modeled cash flow through age ninety-five, and built a withdrawal sequence designed to survive bad markets early in retirement. We stress-tested the plan against three downturn scenarios so the date rested on math, not hope.
The outcome
They set a retirement date with confidence and stopped reacting to headlines. Their modeled success rate rose from an anxious guess to a tested plan, and both partners retired on schedule the following year.
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