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Planning for an affordable retirement

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Fred S., age 63
Copperopolis, California
Married, no children
"I determined where we could live to sustain the lifestyle we wanted."

Fred's Tips

  • Planning is your weapon against fears about your financial future. Start now.
  • Stretch your income by moving to a place with a lower cost of living.
  • Look at part-time work as more than just an income source. Think job satisfaction and perks.


  • Found ways to have luxuries without living outside his means.
  • Did extensive retirement planning to avoid unpleasant surprises.

Fred found ways to make his wish list and his finances play nice with each other.

“Three-quarters of the way through my life, I became a chef and I enjoy it. I work as a support chef at a local country club on weekends. We had tried to join a country club, but it didn’t work with our numbers. Now I get all the free golf I want!”

Retiring to a more affordable community to find his dream home.

“I did all our retirement planning myself, using a bunch of different online calculators to figure how much money we’d have. I didn’t want to make the mistake of going in with rose-colored glasses. I then determined where we could live in order to sustain the lifestyle we wanted. We were able to accomplish it by moving to the Sierra foothills.”

Take the Next Step.

Let's talk about the retirement you want.

Call 877-673-7970 for your complimentary retirement consultation.