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Will your retirement income last?
Retirement Planning That Puts You Back in Control
Discover exactly where you stand, where the gaps are, and how to build income that lasts as long as you do.
The 3 Stages of Retirement Planning
Preparation (Ages 25–60)
Positioning × Building × Planning
Key goals:
>Know your income gap
>Strengthen retirement accounts (401k, IRA, 403b, 457, TSP)
>Protect income with insurance
>Reduce taxes
>Set a clear retirement age
Transition (Ages 60–70)
Reality × Decisions × Shifting
Key goals:
>Social Security timing
>Pension options
>Turning savings into income
>Managing risk
>Ensuring you don’t outlive your money
Preservation (Ages 70+)
Stable × Protected × Tax-Efficient
Key goals:
>Stable monthly income
>Required Minimum >Distributions
>Healthcare & long-term care
>Legacy & estate planning
>Updating beneficiaries
Why People Choose YWAIT
Retirement is confusing —
but it doesn’t have to be.
Most people nearing retirement have the same fears:
“Will I run out of money?”
“Did I save enough?”
“When should I take Social Security?”
“What if the market crashes?”
YWAIT exists to give you clarity, confidence, and a simple plan you can follow.
With YWAIT, You Get:
A licensed, independent retirement planner — not a salesperson
Straightforward answers without the jargon
Income-first planning, ensuring your lifestyle is protected
A customized Retirement Income Gap Review
Strategies that work even if you feel behind
YWAIT Retirement Solutions
Each solution is designed to help you understand where you stand today and what steps will protect your future income. Whether you’re reviewing your retirement numbers, managing investments, or moving old accounts, we guide you with simple, personalized strategies.
Find out exactly how long your money will last — and what to fix before it’s too late. This review gives you clarity, direction, and a strategy to avoid running out of money.
Whether you have a pension, 401(k), 403(b), TSP, or other employer plan, your decisions today affect your income for decades.
We help you get clear, unbiased guidance so your benefits work for you.
For individuals who want control of their investments — but not confusion.
We teach you how to confidently manage your own IRA or brokerage account through a simple, structured coaching system.
When you leave a job or retire, your money shouldn’t sit idle — and it shouldn’t be moved without a strategy.
Safe, smooth, and strategic transitions from accumulation → retirement income.
Meet Jessica Wade
Retirement & Income Planner
I help individuals and families understand their retirement picture and build a plan that gives them confidence in every stage of life.
Clarity, simplicity, and peace of mind.
My promise: I’ll explain everything in a way that actually makes sense.
No pressure. No confusion. Just a clear strategy for the future you want.
Frequently Asked Questions
How do I know if I’m on track for retirement?
A Retirement Income Gap Review calculates how long your money will last and what changes are needed.
What is a Retirement Income Gap Review?
It’s a personalized analysis that shows your projected income, expenses, gaps, risks, and strategies to fix them.
When should I start planning for retirement?
Ideally 5–10 years before you stop working — but it’s never too late OR early to create a strategy.
How do I avoid running out of money?
By shifting from growth planning to income planning, and using strategies with life-time income, timing Social Security correctly, and reducing risk.
When should I start Social Security?
The answer varies — we calculate your optimal age based on life expectancy, income needs, taxes, and spousal benefits.
Should I take a pension lump sum or monthly income?
We run side-by-side comparisons to determine which option gives you more lifetime value.
Do I need life insurance in retirement?
Often yes — for income replacement, final expense, tax-free legacy, or long-term care planning. Ultimately it comes down to your goals, and whether you want to live on or leave on your money.
What if I’m behind on retirement savings?
You’re not alone. We can still build a plan that protects income and minimizes losses.
How much money do I need to retire?
There’s no magic number — it depends on lifestyle, income sources, risk tolerance, and expected longevity. Your review calculates this.
Should I keep my 401(k)/403(b)/IRA invested the same way after I retire?
No — retirement requires a shift to stability, risk management, and guaranteed income options.
How do taxes impact retirement income?
Your withdrawal strategy determines how much you keep. We analyze tax-efficient ways to access your accounts.
What if the market crashes after I retire?
We use protected income strategies and diversification to shield income from market downturns.
How often should I review my retirement plan?
At least once per year — or after major life changes.
You worked too hard to guess your way through retirement.
Let’s make your money last — with clarity and confidence.
At YWait, we believe everyone deserves a confident financial future — not just the wealthy, not just the financial “experts,” but everyday people like you.
Whether you're planning for retirement, protecting your family with life insurance, or just trying to make smarter business moves, we’re here to give you clear, unbiased advice you can actually use. No jargon. No sales pitches. Just real guidance from someone in your corner.
We serve:
Hardworking individuals and families who want peace of mind
Business owners, educators, tradespeople, and entrepreneurs looking to turn their hard work into lasting security
619.815.8811 | 928.597.3301
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