Pre-retirement financial checkup in Tampa
A pre-retiree checkup is a defined, one-time engagement for people who are within about five years of retiring and want an independent read on whether the pieces fit. It ends with a written summary and a list of open questions. Whether to go further is up to you.
Reasons people start this conversation
- You have a retirement date in mind and want to test it
- Health insurance before Medicare is an open question
- You've never had anyone other than a 401(k) website look at the whole picture
- A spouse is retiring earlier or later than you
- You are deciding whether to pay off the house first
- You want to know what to ask before hiring an advisor
What the checkup covers
Savings and accounts
Every account and its tax type, plus the pension and Social Security estimates, in one summary.
Spending reality check
What a year costs now and what changes in retirement, including Tampa Bay insurance and property costs.
Health coverage bridge
Options for coverage between leaving work and Medicare at 65, and what each tends to cost.
Social Security and pension choices
The decisions coming up, the deadlines on each, and what information you need to make them.
Risk review
Whether the portfolio's level of risk matches a paycheck that is about to stop.
Written summary
A short document with findings, open questions and what to do next, whether or not that involves the advisor.
How the checkup runs
- Introductory call. The advisor confirms the checkup fits your situation and explains the flat fee.
- Document gathering. You share statements, a Social Security estimate and a rough budget through a secure link.
- Review meeting. Sixty to ninety minutes walking through the findings, in person or by video.
- Written summary. Delivered within a couple of weeks. No obligation to continue.
What affects the price
- Typically a flat fee for the checkup, quoted before you begin.
- Complexity: a business, rental property or several pensions can extend the scope.
- Whether you later choose ongoing planning, which is a separate agreement.
The advisor explains the fee for your situation in writing before you agree to anything. Tampa Bay Wealth Co. does not set or collect advisory fees.
Retiring in Tampa Bay
A lot of people time retirement to a move to Tampa Bay, which means the checkup often happens while a house is being sold elsewhere and bought here. Homeowners insurance, flood coverage and HOA fees are the numbers newcomers most often underestimate, and the health-coverage gap before 65 looks different in Florida's marketplace than in the state they are leaving. The checkup puts real local numbers against the plan. See retirement income planning for what comes after.
Common questions
Is the checkup a sales pitch for ongoing management?
No. It is a flat-fee engagement that ends with a written summary. Some people continue with the advisor; many take the summary and act on it themselves.
How far from retirement should I be?
Within about five years is the sweet spot, because the big decisions, such as Social Security timing, health coverage and withdrawal order, are close enough to plan concretely.
Will the advisor tell me whether I can retire?
The advisor shows what the numbers support under a range of assumptions and where the risks are. The decision is yours.
What does the checkup not cover?
It does not include ongoing investment management, tax preparation or legal documents. The advisor points out where a CPA or attorney is needed.
Related services
Areas we serve
Pre-retiree checkup across Tampa and these nearby communities: