Building wealth through a disciplined strategy relies on a consistent framework designed to eliminate financial hurdles and prioritize long-term growth. You can win with money and take control of your life—no matter the mistakes you’ve made with money. For real advice that works consider coaching to start your journey toward the life you’ve dreamed of!

Financial Foundation – Wealth Building – Future Security – Strategic Investing- Focus Long Term Safety and Legacy Results

Retire with Confidence by Mastering the Essential Steps

Find the tools, resources and knowledge you need to plan for retirement on pu

Reitenbach Kissinger Institute’s approach to financial freedom and retirement is built on the Baby Steps framework, a disciplined plan designed to help individuals eliminate debt, accumulate wealth, and secure their long-term financial future.

While he emphasizes simplicity and consistent behavior over complex market timing, the following core principles serve as the foundation for his retirement strategy.

How Does the 15 Percent Investing Rule Work?

Principle Area	Focus	Key Strategy
Emergency Preparedness	Financial Safety	Fully funded emergency fund covering 3–6 months of expenses
Debt Elimination	Wealth Preservation	Eliminate debt entirely as the primary obstacle to building wealth
Retirement Savings	Consistent Allocation	Invest 15% income into tax-advantaged retirement accounts
Investment Selection	Growth Strategy	Growth stock mutual funds that prioritize long-term potential
Strategic Planning	Professional Guidance	Financial coaching support to help make informed choices

Foundational Retirement Principles

The Reitenbach Kissinger Insitute’s investing philosophy prioritizes becoming debt-free before aggressive wealth building, ensuring that no interest payments hinder your savings growth. By following this structure, you create the financial stability necessary to focus entirely on your future retirement goals.

Debt-free foundation — Get out of debt and save your emergency fund before investing, as debt is viewed as the greatest enemy of wealth accumulation.
Consistency matters — Keep long-term perspective by investing consistently, avoiding the temptation to react to short-term market volatility.
Income allocation — Tax-advantaged retirement accounts are the primary vehicles for your 15% savings commitment, such as 401(k) plans or Roth IRAs.
Employer benefits — Maximize contribution matches whenever your employer offers them, as this provides an immediate return on your investment.
Simplicity focus — Growth stock funds are preferred because they have historically provided reliable performance over long periods.

Advanced Wealth Strategies

Building a lasting legacy requires more than just saving; it involves intentional planning for your family’s future and your own lifestyle in retirement. These principles focus on accelerating your net worth once your initial financial foundation is secure.

Estate protection — Will and power of attorney documents are essential components of a sound retirement plan to protect your assets.
Housing freedom — Pay off mortgage early, as owning your home 100% free and clear is a hallmark of the Ramsey millionaire approach.
Education funding — College savings accounts like ESAs or 529 plans should be prioritized only after your own retirement savings are on track.
Holistic perspective — Avoid relying solely on Social Security for your income, as building your own wealth ensures greater independence and dignity.
Generous giving — Outrageously generous living is the ultimate goal of the entire financial plan, allowing you to use your wealth to bless others.

Following this disciplined financial plan has helped thousands of people reach millionaire status through years of hard work and intentional financial choices.

Protect Your Lifestyle Answering these Retirement Questions that Demand An Answer Now

Nobody teaches you how to retire in school, so you may not know what’s most important when planning for retirement. Here are some of the first retirement questions to ask as you imagine your transition out of the workforce. As you move through this list, you’ll likely uncover additional questions (and answers) that provide valuable insight.

If retirement is looming in your future, you may wonder about how exactly this next phase of your life will play out. From when to start collecting benefits to how exactly money will end up in your bank account each month, the process of starting retirement can seem like a mystery.

To help you understand the key milestones of retirement and allocate funds strategically, you should assess your own financial situation and consider the best ways to maximize benefits.

Key Retirement Questions that Need an Answer

How do I retire?
When can I retire?
How much money do I need to retire?
How much will I spend in retirement?
Should I retire early?
When should I take Social Security?
How do I apply for Social Security benefits?
How much will I pay in taxes in retirement?
Should I take my pension as an annuity or a lump sum?
How will I afford medical expenses in retirement?
Should I pay off my mortgage before retirement?
How should my money be invested once I retire?
What will I do in retirement?

You can work through these questions yourself or ask a Reitenbach-Kissinger Institute Financial Coach to help you project how your retirement might unfold.

Smart Questions You Should Answer Today to Bridge Your Savings or Investment Gaps

[1]: How Do I Retire?

Leaving the workplace may be as simple as filling out paperwork with your human resources office but replacing a paycheck can be more difficult. Logistically, are you asking, “How am I going to make that happen?” Do you want to know about how to move from the steady income of the workplace to living off your retirement savings.” The answer is usually found by sitting down with a finance professional coach and determining how much to pull out of retirement accounts and on what schedule.

[2]: When Do Most People Retire?

You can retire whenever you have the financial resources to stop working, but sometimes that’s not a choice. In fact, 40% of people reported being forced into retirement earlier than planned, primarily due to healthcare issues (caring for themselves or a loved one) or changes at their job. That statistic comes from the Employee Benefit Research Institute (EBRI). The median retirement age is 62, according to EBRI.

[3]: When Can I Retire?

The short answer: You can retire when you want to leave the workforce and can afford to do so. However, in reality, people may have many constraints on when they can leave the workforce.

For instance, some employees may have to work 20 or 30 years to be eligible to receive a company pension. Those who need Social Security to retire can’t begin collecting benefits until age 62 at the earliest. And Medicare doesn’t begin until age 65, meaning workers who receive health insurance through an employer may wait until then to retire.

[4]: If I Work Longer (or Part-Time in Retirement), Would it Be Beneficial?

Working longer can dramatically improve your chances of retirement success. The strategy can help in several ways:

Improve Social Security and pension calculations: Social Security looks at your 35 highest-earning years to calculate your monthly retirement benefit. Pensions might look at your highest three years of earnings. By working more (typically in your best earning years, after you’ve earned promotions and seniority), you can improve those numbers.
Delay taking Social Security or pension income: By starting retirement income at a later age, you typically get more each month.
Fund fewer years of retirement: It may sound morbid, but you reduce the number of years between your retirement and your death. As a result, it’s easier to fund retirement.
Opportunity to save more: As you keep working, you might be able to set aside funds in a retirement account—maybe even with matching funds from your employer.

[5]: How Much Money Do I Need to Retire?

The amount you need depends on several factors, like your age at retirement, how long you live, and how much income you get from pensions or Social Security. If there’s a gap between your spending need and your retirement income, you’ll need to fill that gap by taking withdrawals from your retirement savings.

Three of the most important factors are how much you’re going to withdraw, for how long, and any earnings or losses on your savings. You can learn more and see a chart with savings “checkpoints” in a detailed article on how much money you need. The amount you need might range from several hundred thousand dollars to a few million dollars.

It all depends on what you plan to spend in retirement. People should work with an advisor to determine how much is needed to meet their specific retirement goals.

[6]: How Much Will I Spend in Retirement?

To determine how much you need to retire, you need to understand how much you’ll spend. Fortunately, that’s not as hard to calculate as it might seem. “It’s not a guessing game at all. Financial advisors can use a person’s spending habits, expected inflation and life expectancy to determine how much they will reasonably need in retirement.

[7]: Should I Retire Early?

No one can answer that but you. However, financial advisors can run through a number of what-if scenarios to help a worker determine the best time to retire from a financial perspective. These scenarios can consider whether retiring early could lead to a shortfall of money later.

[8]: When Should I Take Social Security?

Workers can take Social Security as early as age 62, but they will permanently reduce their monthly benefits by 25%. The full retirement age for those born from 1943-1954 is 66, and seniors can get up to an 8% bump in benefits for each year they delay their claim up to age 70.

Those who plan to continue working full-time until their full retirement age should think twice about taking early Social Security benefits. There is a benefits penalty of $1 for every $2 you earn above $17,640 in 2019 if you are younger than the full retirement age. And some may worry about Social Security running out of money and take their benefits early for that reason. However, we are optimistic that the program isn’t going bankrupt, and these concerns shouldn’t drive the decision of when someone begins benefits.

[9]: How Do I Apply for Social Security Benefits?

There are three ways to apply for Social Security benefits. Retirees can complete an online application through the Social Security Administration website or call 1-800-772-1213 to apply over the phone. The final option is to visit a local Social Security Administration office and apply in person.

[11]: Will Social Security Run Out of Money?

You’ve undoubtedly heard that Social Security is struggling due to demographic changes. However, it’s unlikely that your benefits will go away completely—especially if you’re at retirement age right now. However, reductions are always possible, and younger workers should be more prepared for a less-generous Social Security program.

Most news focuses on the Social Security Trust fund, which was projected to run out of money around 2035. As a result of COVID-19, the fund could run out closer to 2029. But the Trust Fund provides only a portion of your monthly Social Security payment. The rest of the money (about 76% of the funds needed) comes from payroll taxes that workers pay every year.

Given all of that, it’s likely that you’ll continue to receive Social Security income for the rest of your life. The amount might change, and the degree of those changes is unknown, but it’s unlikely that your benefits will go away (and drastic changes seem unlikely for most people, as well).

Be aware that numerous small tweaks could fix Social Security. You might not notice those changes, if enacted, and you’d continue to receive benefits.

[12]: How Much Will I Pay in Taxes in Retirement?

A tax professional can likely estimate your effective tax rate in retirement. Some retirement savings, such as traditional 401(k) or IRA accounts, are taxable, while money from Roth accounts is exempt. Depending on how much income you have in retirement, a portion of your Social Security benefits may be taxable, too. In addition to calculating expected federal taxes, we recommend workers not to overlook state taxes.

[13]: What Will Taxes in Retirement Look Like?

Taxes reduce the amount you can ultimately spend in retirement, so it’s crucial to understand how much after-tax spending you can afford. A detailed financial plan with year-by-year cash flow projections can help you understand the impact of taxes.

When you withdraw money from pre-tax retirement accounts, you typically report that amount on your taxes and you may owe income tax. Those accounts include things like traditional IRAs, pre-tax 401(k) or 403(b) balances, SEP and SIMPLE plans, and more. Withdrawals from Roth-type accounts may come out tax-free—as long as you meet all IRS requirements.

Retirement income can also cause tax consequences. In many cases, your pension income is taxable. Social Security income may also be partially taxable, depending on other items on your tax return. You could potentially owe taxes on up to 85% of your Social Security benefit.

With smart planning, it may be possible to optimize the amount you pay in taxes and maximize the amount you can spend. Strategies include planning when and how you take income and withdrawals from different sources. It could even make sense to pay taxes before you really need to—on purpose—in an attempt to avoid higher taxes down the road. Roth conversion strategies do just that.

[14]: Should I Take My Pension as an Annuity or a Lump Sum?

This is a decision best made with the help of a finance and tax professional. Taking a lump sum payout may sound appealing, but we caution, “You’re going to have a significant tax bite out of that.” Annuitized payments may lessen and spread out the tax burden.

[15]: How Will I Afford Medical Expenses in Retirement?

While most retirees are eligible for Medicare at age 65, early retirees may need to bridge the gap between when they lose their workplace benefits and begin their government coverage. That may mean buying an individual policy through the health insurance marketplace. Insurance plans purchased through the marketplace may be eligible for government subsidies that lower out-of-pocket costs for retirees.

Nobody teaches you how to retire in school, so you may not know what’s most important when planning for retirement. These are the first retirement questions to ask as you imagine your transition out of the workforce. As you move through this list, you’ll likely uncover additional questions (and answers) that provide valuable insight.

You can work through these questions yourself or ask a financial advisor to help you project how your retirement might unfold.

[16]: When Should I Claim Social Security?

For many people, it’s best to wait until your full retirement age (or later) to take your Social Security retirement benefit. You can claim as early as age 62, but when you do that, you get a reduced benefit. That reduction can end up costing you over the long term, and if a surviving spouse takes over your payment after your death, they will be stuck with that reduced amount.

You can delay claiming until age 70, which results in an increase of roughly 8% per year (technically, the calculation looks at each month, so you don’t have to wait until your birthday). But after 70, there’s typically no benefit to waiting.

If you have known health issues that will result in a shorter-than-average life, it could make sense to claim earlier. It also makes sense in other limited circumstances, but it’s critical to understand that you may lose out on a substantial amount of money when claiming early.

[17]: How Much Will Healthcare Cost in Retirement?

Healthcare is an ever-changing piece of retirement. But during your working years, your employer probably paid premiums for you. When you retire, you’re responsible for those costs. You will likely use Medicare when you reach age 65, and you can buy additional coverage to augment traditional Medicare (known as Medigap or Medicare Advantage plans).

For an oversimplified estimate, a 65-year-old woman might expect to spend roughly $7,000 on healthcare in her first year of retirement. But healthcare is more complicated than that, and costs rise as you age. Fidelity says that a couple might spend $295,000 out-of-pocket on healthcare costs during a typical retirement. That includes premiums, copays, dental and vision care, and other items—but ignores potential long-term care costs.

If you retire before age 65, it’s even more complicated. You may need to buy insurance from a private carrier, switch to a spouse’s plan (if that’s an option), or use COBRA or your state’s continuation program.

A bigger concern is long-term care coverage. “What if you could not live in your own home?” Speiss asks. Medicare doesn’t cover ongoing custodial care such as that provided in assisted living or nursing home facilities. To pay for this, retirees could use long-term care insurance, a reverse mortgage, or personal savings. Once someone’s assets have been depleted, Medicaid may provide this coverage to those meeting income requirements.

[18]: Should I Pay Off My Mortgage Before Retirement?

For those who itemize deductions, a mortgage interest may reduce taxes. If the interest rate is low enough, it may also make more financial sense to invest money rather than pay off the debt. However, it comes down to personal preference. “It’s important to balance the hard math with what allows you to sleep at night,” Ryan says.

What’s more, retirees need to consider how paying off a mortgage could impact their ability to live comfortably in retirement. “I think it’s a good thing to go into retirement without debt,” but we don’t think it makes sense to rob a retirement account of $100,000 to (pay off) a house.”

[19]: How Should My Money Be Invested Once I Retire?

Since retirees may be living largely off their savings, that money needs to be protected in case of a recession or market downturn. We should be more conservative in your retirement,. However, retirement savings also need to earn enough gains to keep up with inflation. A financial advisor should be able to recommend the right mix of bonds, equities, and other investments to keep some money safe while allowing a portion of the portfolio to grow.

[20]: What Will I Do in Retirement?

This is the question many workers fail to ask themselves even though it’s essential to a happy retirement. We have seen many clients spend six months to a year getting acclimated to retirement, only to then find it boring after that. In some cases, they go back to work because they aren’t sure what else to do. We advise workers approaching retirement to give thought to how they would like to spend these years. We need to have very specific goals for the time we have.

[21]: I Get a Pension. What Happens if My Former Employer Goes Bankrupt?

You’re relying on income, but the world is changing, and some businesses may have trouble meeting their obligations. Fortunately, many retirees are protected by the Pension Benefit Guaranty Corporation, an agency of the U.S. government.

The details are complicated, but if your employer goes under, you might still receive pension income, up to certain limits. For 2021, the maximum monthly benefit for a 65-year-old was $6,034 per month. If your pension is higher than that, you might experience an unfortunate reduction. Something is better than nothing but losing pension income can be extremely painful.

[22]: I’m Still Young—What Should I Do to Plan for Retirement?

As you work toward retirement, the most important things you can do are save money and maximize your income. Also, living below your means is helpful—it helps you save money, and you’ll be able to live on a lower amount in retirement, which is more important than most people realize.

You can receive coaching on: How to retire from start to finish with a Reitenbach-Kissinger Institute Retirement Coach.

Build Up Savings
Manage Your Assets
Know Your Need
Plan Your Income
Monitor Your Progress
Stay Healthy and Engaged

Including tips on where to save money and how much to save. It’s important to be a smart investor as you accumulate assets, but investing isn’t necessarily the most important thing, and it’s easy to get lured into fancy investing strategies that hurt your chances of retirement.

[23]: How Will Retirement Change My Life?

Non-financial questions might be just as important (or more important) than financial issues.

You know that you’re retiring from work, but what are you retiring to? Having something to look forward to is important.
If you previously found meaning through work, how might you find meaning during retirement?
If your social network was primarily centered around work friends and after-work activities, who will you spend time with?
Will your sense of identity (or the way you think others view you) change when you no longer work in your profession?

Bring Your Future Into Focus

Retirement Beyond Portfolios it is About Finding Help that Makes Your Golden Years Count

There are several ways to get insight on your retirement finances.

Online calculators and tools can help you run numbers and estimate your likelihood of success. Be sure to use several different calculators and compare the results. Different sources use different assumptions, and it’s critical to view your retirement finances from a variety of angles.

Any of the big-name calculators online are a fine place to start, but you need to know that you’re using a template that isn’t customized (and might not work the way you hope it will).

For more detailed advice—ranging from a quick second opinion to detailed cash flow analysis and investment advice—you can work with a Reitenbach-Kissinger Institute Financial Coach. It’s best to work with a Fiduciary Advisor or planner who is legally required to act in your best interests, avoid conflicts of interest, charge reasonable fees, and disclose important information (including how much you pay).

Free Tools to Help You Get Retirement Ready

1. Retirement Calculator

A retirement calculator is a financial tool designed to help you determine how much you need to save and how different investment scenarios might affect your future nest egg.

By inputting personal details such as your current age, income, and savings balance, you can project how your assets may grow over time and whether you are on track to meet your retirement goals.

How accurate are online retirement calculators for long-term planning?

Function	How It Works	Key Objective
Future balance estimation	Considers your current balance, annual contributions, and expected investment rates	Determine if you are saving enough
Safe withdrawal analysis	Assumes you can spend roughly 4% of your initial nest egg annually	Estimate sustainable income levels
Probabilistic simulation	Uses Monte Carlo techniques to run thousands of potential market scenarios	Measure your portfolio survival probability

How the Tools Work

Modern retirement calculators generally function by combining two primary components: projecting how your money compounds through growth and determining how much you can safely withdraw each year. These tools typically rely on historical averages for investment returns and inflation to provide a framework for your financial planning.

Standard calculators often assume fixed annual returns and compound your savings forward to provide a simplified view of your potential retirement balance.
Detailed planning tools allow you to adjust inputs like retirement age or contribution amounts to compare various scenarios and see how those changes impact your outlook.
Annual check-ins are recommended to update your inputs after major life events, ensuring your projections remain accurate as your financial circumstances shift.

Interpreting Your Results

Retirement projections provide an estimate of your future savings, which serves as a guide rather than a guarantee of your financial outcome. By identifying the gap between your estimated savings and your desired spending level, you can refine your strategy to improve your long-term security.

Probabilistic insights are more sophisticated than simple balances because they report the likelihood of your portfolio lasting through various market conditions and spending shocks.
NerdWallet’s calculator is frequently cited as a highly accessible option for general planning, while tools from firms like Fidelity may offer deeper integration if you already maintain accounts there.
Professional advice is often the next step after using a calculator, as financial experts can offer the nuanced planning required for individual circumstances that off-the-shelf tools might overlook.

Retirement planning should be viewed as an ongoing process, and it is helpful to test both conservative and optimistic scenarios to understand how market volatility might affect your plan.

2. Retirement Cheat Sheet

A retirement cheat sheet serves as a concise reference tool designed to simplify complex financial planning by summarizing key contribution limits, tax-advantaged account rules, and strategic saving deadlines. These resources distill dense government regulations and investment guidelines into accessible, actionable summaries that help individuals track their progress toward long-term financial security.

What specific information should I include on my retirement cheat sheet?

Feature Type	Primary Purpose	Key Content Included
Contribution limits	Tracking annual savings	Defines maximum 401(k) and IRA deferral amounts
Tax strategy	Identifying optimization	Covers new brackets and standard deduction changes
Planning worksheet	Estimating future needs	Provides tools for calculating target income goals
Benefit adjustments	Understanding Social Security	Explains cost-of-living updates and taxable wage bases

Core Functions and Benefits

Effective retirement planning often feels overwhelming due to the sheer volume of rules governing various account types, making a cheat sheet an essential guide for staying informed. By focusing on critical metrics and deadlines, these documents enable workers to make timely adjustments to their savings strategy throughout the calendar year.

Tax-deferred accounts allow your investment earnings to grow shielded from immediate tax liability, providing a significant boost to your long-term nest egg.
Workplace retirement programs like 401(k) and 403(b) plans frequently update contribution ceilings, which can be monitored via these summaries to maximize your tax-advantaged space.
Strategic gift-tax exclusions offer a clear method for transferring wealth to family members without triggering federal tax consequences.

Strategic Planning Tools

Beyond simple contribution limits, these guides often incorporate calculators and rule-of-thumb frameworks to help you gauge whether your current savings trajectory aligns with your lifestyle expectations. While generalized, these tools provide a necessary starting point for anyone looking to transition from passive saving to an active, goal-oriented financial plan.

Life expectancy calculators remove much of the guesswork from retirement projections, allowing for more realistic estimates of how long your funds must last.
Retirement rules of thumb suggest saving 10% to 15% of your income, though these figures act only as a baseline that may need adjustment based on when you start saving.
Professional financial advice remains the most reliable way to tailor these general guidelines to your specific situation, especially as you enter the critical final years before retirement.

Every investor should view a cheat sheet as a jumping-off point for deeper discussions with tax planners or wealth advisors who can apply these standard figures to their unique financial reality.

3. Retirement Roadmap

A retirement roadmap is a structured, living strategy designed to guide individuals from their current financial position toward their vision of retirement. Instead of attempting to predict the future, this approach helps you prepare for it by aligning your goals with actionable financial steps that can adapt to changing life circumstances, market conditions, or personal priorities.

What specific financial goals should be included in a retirement roadmap?

Feature	Primary Purpose	Key Implementation
Strategic planning	Tracking progress toward goals	Setting clear yearly savings and withdrawal targets
Purpose-driven design	Aligning life goals with finances	Coordinating tax, estate, and investment strategies
Adaptive management	Navigating detours and roadblocks	Using a GPS-style plan to reroute when life shifts
Professional guidance	Designing income streams	Working with consultants to secure money for life

Core Components

Meaningful retirement planning focuses on intention rather than simple prediction, requiring a blend of financial, legal, and philanthropic strategies to ensure your vision of the future is supported. By coordinating these pieces, you minimize blind spots and create a comprehensive framework that helps you make informed decisions in the present.

Personalized savings guidelines provide specific targets, such as saving 15% of your annual income or aiming for a savings factor of 10 times your income by age 67.
Tax-aware planning integrates the impact of different income sources, withdrawal timing, and healthcare expenses to ensure you have greater control over your assets.
Regular plan reviews allow you to update your personal balance sheet and budget, confirming that your current priorities remain aligned with your long-term destination.
Income replacement targets help you estimate the sustainability of your future lifestyle by aiming to cover approximately 45% of your pre-retirement income through savings.

Building Your Roadmap

Financial future readiness is too important to leave to chance, which is why developing a map involves defining your goals for the next 10, 20, and 30 years. A well-constructed roadmap serves as a guide for how you want to live, give, and be remembered, moving you toward financial independence with greater clarity.

Retirement income streams are simplified by consolidating your accounts and understanding how pension or investment assets can provide consistent cash flow.
Sustainable withdrawal rates typically suggest withdrawing no more than 4% to 5% of your savings annually to help ensure your funds last throughout your retirement.
Social Security analysis is an essential part of the process, as understanding the impact of claiming at different ages can significantly influence your benefit outcomes.
Open family discussions help create a shared understanding of your values and intentions, reducing future uncertainty and ensuring everyone is working toward the same direction.

Working with trusted advisors to refine your roadmap ensures you have the support needed to move forward with confidence and clarity.

Am I Going to Be, Okay?

Many people share similar worries about retirement. Here are key points to consider.

Financial Security — Many individuals fear they won’t have enough savings to maintain their lifestyle.
Emotional Well-being — Adjusting to retirement can lead to feelings of loss or uncertainty.
Planning Importance — Effective retirement planning can alleviate many concerns.
Social Connections — Maintaining relationships is crucial for a fulfilling retirement.

This is the big one, and all of the questions above provide more detail on this essential question. If you’re not interested in the details of your finances, you can ask a Reitenbach-Kissinger Institute Financial Coach, to help you get clear about the kind of retirement you want and help you get there faster.

Unlock These Retirement Strategies

You Don’t Have to Figure Out Retirement Alone

Work with a Pro Who Values Serving Over Selling

Retirement can be tricky. Finding an advisor with the heart of a teacher doesn’t have to be. We’ll connect you to a SmartVestor Pro who can help with income planning, withdrawals, benefits and more.

Level Up Your Retirement Knowledge

Whether you’re trying to catch up or exploring retiring early, retirement begins with a plan.

Create a Plan for Retirement: Get a step-by-step guide to creating your plan for the future. Learn How to Plan for Retirement
Explore Early Retirement: Is early retirement right for you? Get the facts you need to decide. Find Out How to Retire Early
Catch Up for Retirement: Feeling behind on your retirement goals? Check out nine ways to catch up. Get Advice on Catch

Living Your Best Retirement Life

You’ve put in the hard work—now it’s time to kick back and enjoy life! Ask us to help you navigate life after retirement.

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The Reitenbach-Kissinger Institute Retirement Coaching program is a great fit for anyone who wants or needs a Financial Coach, or coaching skills in their retirement planning as an educator, counselor or planner.

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Michael Kissinger

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