For savers within ~5 years of retirement

You spent 40 years learning to save. Retirement asks a different question.

A short, plain-English look at the decisions that shape retirement income, and a no-cost review of the questions worth asking before you make them.

Watch: Why the way down takes a different plan than the way up

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Request Your Retirement Confidence Audit

No cost · No obligation · Educational review, not a sales pitch

Here’s the whole idea

Saving and spending are two different jobs.

The first 40 years

The climb up

Save more. Invest. Stay in. Ride out the dips. For decades that was the right approach, it’s how you built what you have. Time was on your side, and there was room to recover from a misstep.

The years around retirement

The way down

Now the job changes to distribution: how you turn savings into income, how taxes fit in, and how much risk you carry. These decisions can be harder to walk back, which is why they’re worth thinking through calmly and ahead of time.

Ask any guide and they’ll tell you the same thing: most accidents don’t happen on the way up the mountain. They happen on the way down, and coming down safely takes a different plan.

Is this you?

This review is designed for responsible savers near retirement.

You’re roughly within five years on either side of retirement and want a clearer picture before making major decisions.

You’ve saved responsibly, a 401(k), IRA, brokerage, or pension, but you’re not sure the pieces work together.

You have questions about income, taxes, Social Security timing, and risk, and want them explained in plain English.

You’d rather understand your options than be sold a product or rushed into moving money.

This service may not be appropriate for everyone. It’s generally most relevant for people with multiple accounts or more complex planning questions.

What you’ll walk away with

The Retirement Confidence Audit

Yours to keep, whether we ever work together or not

An honest look at where you stand

No cost · No invoice · No obligation

A real conversation first

You tell Alex where you are and what you’re trying to figure out. He tells you what he’d need to look at. It’s a conversation, not a pitch.

A review of your major planning topics

Income, withdrawal order, taxes, Social Security timing, and risk, the topics worth reviewing before you make decisions that are hard to undo.

Your questions, organized, in writing

On a follow-up, Alex walks you through what he found and the questions worth discussing for your situation. You keep the summary either way.

The Audit is prepared for your situation after a review of the details you share. There’s no cost and no obligation.

Request Your Audit

Who you’ll be talking to

Alex Alston

“Most advisors plan how the money goes in. I focus on how it comes out.”

Alex is the Lead Advisor and Chief Compliance Officer at Rose Wealth. He grew up around business, his parents built and sold their own company, so he saw up close what it means to work for something for decades and then need to protect it.

That’s why he does this work with people heading into retirement: helping them get a clear picture of whether their money is set up to support the life they want.

Alex Alston, Rose Wealth

A couple of things you might be thinking

Fair questions, answered honestly.

“I already have an advisor.”

Good, you should. Here’s a question worth asking them: what’s my withdrawal order? If they can answer it clearly, you may not need a second look. If it’s never come up, that’s worth knowing. A second opinion costs you nothing.

“I’m not sure I have enough for this.”

The order of decisions can matter more when there’s less room to absorb a misstep. The review is generally designed for people within about five years of retirement with roughly $250,000 or more saved, and the Audit costs nothing either way.

“Is this just a sales pitch?”

No. It’s an educational review. You keep the summary whether or not we ever work together. If it turns out to be a fit afterward, great. If not, you still walk away with a clearer view of where you stand.

Common questions

Before you request your Audit

What does the Audit cost? +

Nothing. There’s no fee and no invoice at the end. The goal is to help you understand the questions worth reviewing for your situation, you keep the summary either way.

What will the Audit cover? +

Alex reviews the details you share and walks you through the planning topics that matter for your situation, income, withdrawal order, taxes, Social Security timing, and risk. You keep the written summary whether or not you ever become a client.

Who is a good fit for this? +

It’s generally most relevant for people within about five years on either side of retirement with roughly $250,000 or more saved, especially those with multiple accounts or more complex planning questions. It may not be appropriate for everyone.

How do I book? +

Answer the short questions above and choose a time that works for you. Appointment availability may vary. Alex only takes a limited number of these each month, since they take time to do well.

Give yourself an honest look before your next step.

You worked hard and saved for decades. Most people don’t struggle to follow a good plan, they struggle because they never had one written down.

Request Your Retirement Confidence Audit

No cost · No obligation · Choose a time that works for you