Retirement Planning That Helps You Live With Confidence
Turning Your Savings Into a Secure, Sustainable Future
Retirement isn’t the end of your financial journey—it’s the beginning of a new one. At Financial LifeLab, we help retirees and soon-to-be retirees across Minnesota transition from building wealth to enjoying it, with strategies that balance comfort and sustainability.
We know this stage can feel uncertain. You’ve worked hard to save, and now every decision matters. Our role is to simplify those decisions and provide a clear plan for income, taxes, and legacy goals—so you can spend less time worrying and more time living. Whether you’re already retired or preparing to make that leap, our retirement planning process helps you feel in control, no matter what the market—or life—brings next.
Helping You Retire With Clarity and Confidence
Our retirement strategies are designed to help you move into your next chapter with purpose and confidence in your retirement plan
Income Planning
We turn your savings into a steady, thoughtful tax approach that supports your lifestyle for decades to come.
Social Security & Pension Optimization
We help you determine the best time to start Social Security and coordinate pension benefits for maximum impact.
Investment Alignment
Your investments should work for your new stage of life. We rebalance and adjust portfolios to support your income and risk goals
tax-managed Withdrawals
We collaborate with your tax professional to help reduce unnecessary taxes and preserve more of your income each year.
Legacy & Estate Coordination
We ensure your retirement plan aligns with your long-term goals for your family, community, and charitable interests.
A Clear Path to a Confident Retirement
Our retirement planning process brings structure, foresight, and calm to what can otherwise feel like an overwhelming transition.
Clarify Your Goals
We begin with a genuine conversation about what retirement means to you—travel, family time, community involvement, or future goals.
Analyze Your Resources
We evaluate your current assets, income sources, and expenses to identify strengths, gaps, and opportunities.
Design Your Retirement Roadmap
We build a strategy that coordinates your income, investments, and tax planning to help ensure long-term stability.
Monitor and Adjust Over Time
Retirement is dynamic. We review and refine your plan regularly to keep you on track as life and markets evolve.
Common Questions About Retirement Planning
When should I start planning for retirement?
Ideally, as early as possible—but it’s never too late. Whether you’re five years out or already retired, we can help structure your assets for better income flow and stability.
What if I’m worried about outliving my savings?
That’s one of the most common concerns we hear. We design retirement income strategies built around longevity, flexibility, and security—so you can spend confidently without fear of running out.
How often do we meet after I retire?
We typically meet annually or semiannually to review your plan, evaluate income, and adjust as needed. You’ll always have clear updates and ongoing access to your advisor.
Can you coordinate with my tax or estate professional?
Absolutely. Collaboration ensures your financial, tax, and estate plans all work together for your benefit.