Retirement isn’t just about crossing the finish line — it’s about making sure your money lasts as long as you do.
In this episode of The Capitalist Investor, Derek and Tony break down 5 critical moves every retiree and pre-retiree needs to focus on in 2025 to protect and grow their wealth.
These are strategies proven in real-world client situations, not theory. Whether you’re getting ready to retire, already retired, or just planning ahead, you’ll get value from this checklist:
✔️ Recheck Your Withdrawal Strategy
✔️ Lock in Healthcare Coverage
✔️ Review & Adjust Your Tax Strategy
✔️ Simplify & Consolidate Accounts
✔️ Establish a Monthly Spending Plan
We cover real examples, dynamic withdrawal strategies, Roth conversion timing, healthcare planning with HSAs, RMD rules, and how to avoid big mistakes with inherited IRAs.
00:00 – Why Retirement Is About More Than Just the Finish Line
00:38 – Move 1: Recheck Your Withdrawal Strategy
05:00 – Move 2: Lock in Healthcare Coverage & HSA Tips
06:55 – Move 3: Review & Adjust Tax Strategy (Roth Conversions, RMDs, QCDs)
12:05 – Move 4: Simplify & Consolidate Accounts
14:28 – Move 5: Establish a Monthly Spending Plan
16:00 – Final Thoughts & How You Can Help Shape Future Episodes
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