John Sheridan and Delenn are a married couple who want to retire soon. John was in the military and Delenn was a government official therefore they both have pensions in addition to Social Security. They would like to know when would be the best time to retire. Their assets are varied and located in diverse places. John has a pre-existing medical condition and is concerned about healthcare coverage. They have one son who is grown and is independent. They want to live a quiet life. They are not sure what they will do in retirement.


  • STEP Financial process:

  • Determine the optimal retirement date for them as a couple.
  • Analyze the best approach to taking Social Security and any pensions.
  • Develop a current investment philosophy and risk analysis.
  • Rebalance their investment portfolio so that it is appropriate for their risk tolerance and their ability to take risks.
  • Review Estate Documents and Beneficiaries, and update if neccessary.
  • Discover the best way to position them to receive favorable tax treatment.
  • Uncover ways they can save on medical expenses.
  • Maximize their savings before they retire.
  • Start life planning for the retirement phase of life.

    • "Remember your dreams and fight for them. You must know what you want from life." - Paul Coelho

    • "Failing to plan is planning to fail." - Alan Lakein Lakein

    • "Never underestimate the power of dreams and the influence of the human spirit." - Wilma Rudolph

    • "Before beginning, plan carefully." - Marcus Cicero