Mid-Year Retirement Checkup
MID-YEAR RETIREMENT CHECK
Is Your Retirement Strategy Still Working for You?
Retirement planning isn’t a “set it and forget it” process. Even the best-laid plans need mid-course adjustments to stay effective. That’s why Fullerton Financial Planning offers a complimentary 1-hour Mid-Year Retirement Checkup—a personalized, face-to-face review of your entire retirement strategy.
This isn’t a sales pitch. It’s a strategic session designed to help you adapt your financial plan to today’s changing world—so you can move into the second half of the year with clarity, confidence, and control.
WHY NOW
Key Changes You Can’t Afford to Ignore
The financial landscape is shifting—and waiting until year-end to act could cost you. Here's why booking now matters:
2025 May Be Your Last Chance to Act Before Major Tax Increases
Many of the tax breaks from the 2017 Tax Cuts and Jobs Act are set to expire after 2025. That means:
• Higher income tax bracket
• Reduced standard deduction
• Lower estate tax exemptions
Planning in advance—before the rush in 2026—could save you thousands in future taxes.
We'll explore strategies like:
• Roth conversions before rates rise
• Maximizing charitable giving with QCDs
• Timing asset sales or withdrawals to take advantage of current brackets
SECURE Act 2.0 Is in Effect
Recent updates have reshaped retirement planning:
• RMDs now start at age 73 (and rising to 75 for some)
• Catch-up contributions are changing—with income limits and Roth mandates
• New opportunities for 529-to-Roth rollovers may impact legacy and education planning
We help you navigate what’s changed—and what’s ahead.
Market Volatility and Inflation Persist
Markets remain unpredictable. Inflation continues to impact spending power. A checkup can reveal:
• Whether your investment mix still aligns with your goals and risk tolerance
• If you're drawing income too aggressively—or too conservatively
• How inflation is impacting your retirement income plan
MID-YEAR RETIREMENT CHECK
Introducing the Fullerton 360° Retirement Advantage
At Fullerton Financial Planning, we don’t believe in cookie-cutter plans. Our 360 Retirement Advantage is a holistic, five-pillar approach that integrates every key area of your retirement life. During your complimentary 45-minute checkup, we’ll walk you through these five pillars to ensure nothing is overlooked:
1. Income Planning
You’ve worked hard for your savings—now it’s time to ensure that income works for you. We’ll evaluate:
• Your current withdrawal strategy and distribution schedule
• Cash flow alignment with lifestyle goals
• Opportunities to extend income longevity and reduce volatility
2. Tax Planning – Especially This Year
Tax laws continue to shift—and staying proactive is key. In 2025, new tax thresholds and SECURE Act 2.0 updates are changing how retirees should plan. We’ll help you:
• Evaluate Roth conversion windows before 2025’s tax cuts potentially sunset in 2026
• Plan for Required Minimum Distribution (RMD) changes, including new age thresholds
• Understand changes to catch-up contributions and Qualified Charitable Distributions (QCDs)
• Identify overlooked deductions and credits that may impact your bottom line
📌 DID YOU KNOW? Many retirees will face higher taxes in future years due to expiring tax cuts. Acting now may significantly reduce your future tax burden.
3. Healthcare & Long-Term Care Planning
Healthcare remains the most underestimated retirement expense. In this checkup, we’ll:
• Review Medicare and supplemental insurance plans
• Identify gaps in coverage and potential out-of-pocket surprises
• Explore long-term care insurance or alternative coverage strategies
4. Risk Management
Markets are volatile, and unexpected events can derail your plans. We’ll help you:
• Reassess your investment risk tolerance and portfolio exposure
• Identify insurance gaps or overcoverage
• Build protection strategies for legacy assets and dependents
5. Real Estate & Legacy Planning
Whether you’re passing on wealth or navigating real estate assets, we’ll ensure your strategy is sound. We’ll:
• Review estate documents and beneficiary designations
• Strategize on efficient wealth transfer and tax impact
• Explore ways to maximize real estate value and minimize burden
WHY CHOOSE FULLERTON
We Don’t Just Review—We Realign
Our mission is to help you retire with clarity, confidence, and control. With every checkup, you benefit from:
- Relationship-Driven Guidance: We get to know you, not just your finances
- A Personalized Plan: Every recommendation is customized to your goals, values, and vision
- A Holistic View: We connect all the pieces—income, tax, healthcare, and estate planning—so nothing falls through the cracks
SCHEDULE AN APPOINTMENT
Book Your Free Mid-Year Retirement Checkup
Our advisor team is here to help you answer these questions and make sure your retirement plan is on track. Let's schedule a mid-year checkup to review your progress and make any necessary adjustments.
REAL STORIES, REAL STATEMENTS
Client Testimonials
Makes Me Feel Like I Belong
"Fullerton is like "Cheers", minus the bar scene. I walk in and everybody knows my name. .......Makes me feel belonged"
Porter F.
A Personal Relationship
"Every person I have dealt with has impeccable customer service skills and is always available to help me with whatever I need. They make it obvious that this business operates like a large family where every employee has great respect and rapport with each other. They make me feel as if I am also in the Fullerton Financial family."
Gail P.
Exceeded Expectations
"The attention to detail, the knowledge base of the team, and the continued open lines of communication all exceeded my expectations. I know that I made the right decision to bring my business to Fullerton Financial Planning."
Fanchon E.
WORK WITH FULLERTON TODAY
Earning the Trust of Savers and Retirement Planners
The greatest gift our clients can give us is the introduction of a friend or family member. It’s a priceless vote of confidence that we truly value. We hope you will give us the opportunity to earn your business during a complimentary consultation.
