🏖️Redefining Retirement: Work Optional, Life Intentional

☕ Good morning!

Retirement is not a finish line anymore. It is a pivot point.

For today’s high-achieving professionals, the question is not “When do I stop working?” but rather “How can I do work I enjoy, on my terms, while having the freedom I have earned?”

Welcome to the hybrid retirement era. It is not about clocking out. It is about consciously stepping into a lifestyle that blends part-time income, personal freedom, and meaningful purpose.

🎥 Want the full strategy? Watch: Hybrid Retirement - Your Flexible Exit Plan:

Let’s break down how this approach works, why it is resonating more than ever, and what steps you can take to design a retirement that reflects your goals, not someone else’s definition of done.

💼 Not Ready to Stop Working? You’re Not Alone

At Tailored Wealth, we are seeing a clear trend among business leaders and executives, many of whom are in their peak earning years and still energized by the work they do. But they are also ready to take back control of their time.

Hybrid retirement is the solution.

It allows you to gradually step away from full-time responsibilities while staying intellectually engaged, financially secure, and personally fulfilled. This could mean consulting, mentoring, fractional work, or launching passion-driven projects.

The key is designing your lifestyle intentionally, not waiting for some arbitrary finish line to give you permission.

📖 A Real-Life Transition

A recent client we worked with, a seasoned tech revenue leader, was deep into their career and had been running hard for years. While traditional retirement was on the horizon, the thought of suddenly disconnecting from the professional world felt too abrupt.

We helped them design a phased hybrid retirement strategy that gave them back time with their family while keeping them meaningfully involved in work they cared about.

They now consult for early-stage tech companies a few days a month, mentor up-and-coming leaders in their industry, and dedicate time weekly to a nonprofit organization they have always supported.

It is not just a lifestyle shift. It is a mindset shift. One that has brought them more balance, more freedom, and a renewed sense of purpose.

📊 The Financial Blueprint for Hybrid Retirement

This is not a go-with-the-flow move. It is a strategic one.

Here is how we help clients make hybrid retirement financially viable:

🔥 Know Your Burn Rate
What does your life cost? Include travel, healthcare, kids’ needs, and indulgences. This is not about cutting back. It is about planning ahead.

📉 Rethink Traditional Rules
The 25 times rule (expenses times 25) may not apply. With part-time work or delayed benefits, you may need less saved upfront.

💸 Diversify Your Income
Pair part-time income with dividends, real estate cash flow, or brokerage account withdrawals to avoid draining retirement accounts too early.

📈 Be Tax Smart
Lower income can mean lower tax brackets. That opens the door for smart Roth conversions and sequencing withdrawals to stretch your savings.

💵 Create a Retirement Paycheck
We recommend setting up scheduled distributions from your portfolio so income remains consistent even if consulting gigs vary.

🧾 Do Not Overlook Healthcare
Private coverage can surprise you. Plan early for the gap between leaving your employer’s plan and hitting Medicare eligibility.

🧪 Try a Mini Retirement
Take three to six months off, reduce work hours, or test flexible gigs before fully committing. You will get clarity on both lifestyle and finances.

🧠 You Do Not Need a Magic Number. You Need a Real Plan.

Retirement is not about crossing a line. It is about designing a life that aligns with your values, your purpose, and your family’s needs.

The hybrid path gives you freedom and fulfillment.

🔧 How We Help You Build It

At Tailored Wealth, we guide clients through every stage of hybrid retirement planning. From calculating your lifestyle costs to modeling your income, optimizing taxes, and structuring a retirement paycheck, we provide a full suite of tools and expertise to make your transition smooth and sustainable.

We use advanced financial modeling, run Monte Carlo simulations, and create custom tax strategies that align with your personal goals and risk tolerance. And we continually adjust your plan so it evolves with your life.

If you are ready to make work optional and life intentional, we are ready to help.

📅 Book your Wealth Clarity Consultation today and let’s build the plan that gets you there.

Stay savvy, stay proactive, and keep your financial future bright.

Until next week!

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Security and Advisory Services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC The information contained in this e-mail message is being transmitted to and is intended for the use of only the individual(s) to whom it is addressed. If the reader of this message is not the intended recipient, you are hereby advised that any dissemination, distribution or copying of this message is strictly prohibited. If you have received this message in error, please immediately delete.