Your Personalized Retirement Analysis:
You may be able to retire with $XXXk less saved — without working a single extra day.
30 minutes. Complimentary. No Obligation. The plan is yours to keep.
Your Advisor at Denton Financial
Fiduciary Financial Advisor · MassMutual
I offer these sessions because most pre-retirees are working toward a number that's larger than it needs to be. In 30 minutes, I'll show you exactly where that gap is in your plan — and what to do about it. You keep the analysis either way.
Your Analysis Identified 3 Areas Worth Reviewing:
Based on what you entered, these are the highest-impact opportunities in your current plan.
✔ Tax Withdrawal Strategy
The sequence in which you draw from your accounts — traditional IRA, Roth, taxable — can reduce your lifetime tax bill by tens of thousands of dollars. Most people default to the wrong order.
✔ Income Sequencing
Coordinating when you start Social Security, when you begin drawing from investments, and how other income sources layer together can meaningfully improve portfolio longevity.
✔ Portfolio Risk Timing
A market downturn in your first few years of retirement has an outsized negative effect compared to the same downturn later. Adjusting exposure before that window opens can protect decades of income.
What Happens on the Call:
30 minutes, and here’s exactly how they go.
30-minute agenda
0–10 min We review your retirement timeline, current savings, and income goals
10–22 min Walk through 2–3 specific strategies to reduce your target or improve your timeline
22–30 min Your questions — the analysis is yours to keep regardless of next steps
The plan is yours to keep - no cost, no obligation.
"[They] asked me, are you ready to retire? I said, well, I will be in three years, so I guess. He said, well, what if I could show you that you could retire in two years? Would you do that?... I retired when he said I could. Never looked back."
- Larry Brown
*This worksheet calculator is a self-help tool and is not intended to provide financial advice or product recommendations. The results and explanations generated by this calculator are based upon, and will vary due to input and assumptions. All projections are hypothetical in nature, do not reflect actual results, and are not guarantees of future results. For a more accurate and detailed analysis specific to your circumstances, a thorough analysis should be conducted. The information provided is not written or intended as specific tax or legal advice.