PODCAST · business
Pre Retirement Navigated
by Will Hoffman
The rules of money change the day you retire. Is your financial plan ready for the flip? For the last 30 years, you’ve followed a standard wealth accumulation playbook: save more, stay invested, ignore the daily market headlines, and let time do the heavy lifting. And those rules worked—they got you to the finish line. But the five years before you retire require an entirely new operating system. The moment you transition from saving money to living off of it, the playbook completely reverses. Time becomes your biggest constraint, asset growth takes a backseat to strategic tax mitigation, and your investment stance must pivot from pure offense to ironclad defense. Hosted by Will Hoffman, founder and president of Hoffman Wealth Management, Pre-Retirement Navigated draws on 23 years of real-world advisory experience to guide you step-by-step through the critical 5-year countdown to retirement. This isn’t a show about high-level theory or generic numbers. This is a tactical, unscr
Episodes
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Why You Might Actually Be in a HIGHER Tax Bracket in Retirement
This episode focuses on the critical aspects of retirement planning, particularly the importance of understanding withdrawal order and its tax implications. Will Hoffman discusses how different types of income are taxed and the strategies retirees can use to minimize their tax burden. He…
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Am I Saving Enough for Retirement?
In this episode of the Pre-Retirement Navigated podcast, host Will Hoffman discusses the importance of focusing on personal retirement plans rather than comparing oneself to others. He emphasizes the need for a savings runway check, especially five years before retirement, to assess financial...
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Where Is Your Retirement Check Coming From on Day 1?
In this episode of the Pre Retirement Navigated Podcast, host Will Hoffman discusses the critical aspects of financial planning leading up to retirement. He emphasizes the importance of understanding cash flow, mapping out income sources, identifying expenses, and calculating the income gap to...
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How to Know When You’re Truly Ready to Retire w/ Dan Goldie
In this episode of the Pre-Retirement Navigated Podcast, host Will Hoffman welcomes Dan Goldie, a former professional tennis player and a renowned financial advisor, to discuss his new book, 'The Retirement Answer.' They explore the complexities of retirement planning, the evolution of wealth...
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What to Check in Your First Year of Retirement (To Avoid Panic)
In this episode, Will discusses the critical steps retirees should take to monitor their financial health during the first year of retirement, drawing parallels to a pilot checking instruments during a flight. He emphasizes the importance of regular checks on income, spending, taxes, and health...
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Am I Actually Ready to Retire? Try This 90-Day Test
This episode emphasizes the importance of practicing retirement through a dry run to ensure financial stability and peace of mind. Will Hoffman discusses how living on your expected retirement income for a few months can reveal potential issues and boost confidence before the actual retirement date.
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What Happens to Your Social Security If Your Spouse Dies Tomorrow?
In this episode of Pre-Retirement Navigated, host Will Hoffman, founder and president of Hoffman Wealth Management, addresses the critical Social Security claiming decisions couples must make in the years leading up to retirement. He emphasizes that Social Security decisions should not be made in...
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How to Not Run Out of Money in Retirement
In this episode of the Pre Retirement Navigated Podcast, Will Hoffman discusses the critical aspects of building an income timeline as one approaches retirement. He emphasizes the importance of understanding where retirement income will come from, the various types of accounts available, and the...
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How to Pick an Exact Retirement Date (And Protect Against Forced Early Retirement)
In this episode of Pre-Retirement Navigated, host Will Hoffman, founder of Hoffman Wealth Management, breaks down the foundational decision that dictates all pre-retirement planning: selecting an exact retirement date. Moving past vague timelines like “around 63” or “when it feels right,” Will...
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The First Year of Retirement Is a Trap (Here’s How to Survive “Year Zero”)
Day one of retirement feels like freedom, but “Year Zero” is often the most expensive, volatile, and emotionally challenging year of your financial life. Between home improvement projects, bucket-list travel, and market headlines that suddenly feel personal, it’s easy to second-guess your entire...
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1 Year Until Retirement? Do THIS to Stop Worrying!
Why are pre-retirees significantly more anxious than people who are already retired? According to recent study data, 80% of retirees say they live comfortably, yet only 53% of non-retirees expect to feel the same way. That 27-point gap comes down to one thing: clarity. In this episode of...
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2 Years to Retirement: How to Turn Your Assets Into a Paycheck
Two years out from retirement is the critical turning point where your financial strategy must transition from a paper model into a real, dependable monthly paycheck. On this episode of Pre-Retirement Navigated, host Will Hoffman, founder and president of Hoffman Wealth Management, breaks down…
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What Happens to Social Security Income When a Spouse Dies? | Year 3 Defense Strategy
“If your spouse died tomorrow, what would your Social Security income look like the following month?” It’s an uncomfortable question, but it’s one of the most critical scenarios to model as you approach retirement. When one spouse passes away, one Social Security check disappears entirely—often...
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What to Do 4 Years Before Retirement (Tax & Healthcare Prep)
“I’m going to be in a lower tax bracket when I retire.” It’s one of the most common statements we hear from folks in their early 60s. But as required minimum distributions (RMDs) kick in around age 73 or 75, many retirees discover that their deferred tax bill has simply ballooned into a future…
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5 Years to Retirement: Key Decisions You Must Make
Five years out from retirement sounds like a long time. When you are driving to work every day or grinding through a job you are ready to leave behind, 60 months can feel like an eternity. Because it feels so far away, Year 5 is the single window on the retirement runway that almost nobody … Read...
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The Rules of Money Change the Day You Retire: Here is the New Playbook
In this episode, Will Hoffman introduces the Pre-Retirement Navigated series, focusing on the six key flips and rule changes in the five years leading up to retirement. He shares insights on planning, decision-making, and emotional control to ensure a smooth transition into retirement.
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ABOUT THIS SHOW
The rules of money change the day you retire. Is your financial plan ready for the flip? For the last 30 years, you’ve followed a standard wealth accumulation playbook: save more, stay invested, ignore the daily market headlines, and let time do the heavy lifting. And those rules worked—they got you to the finish line. But the five years before you retire require an entirely new operating system. The moment you transition from saving money to living off of it, the playbook completely reverses. Time becomes your biggest constraint, asset growth takes a backseat to strategic tax mitigation, and your investment stance must pivot from pure offense to ironclad defense. Hosted by Will Hoffman, founder and president of Hoffman Wealth Management, Pre-Retirement Navigated draws on 23 years of real-world advisory experience to guide you step-by-step through the critical 5-year countdown to retirement. This isn’t a show about high-level theory or generic numbers. This is a tactical, unscr
HOSTED BY
Will Hoffman
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Frequently Asked Questions
How many episodes does Pre Retirement Navigated have?
Pre Retirement Navigated currently has 16 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Pre Retirement Navigated about?
The rules of money change the day you retire. Is your financial plan ready for the flip? For the last 30 years, you’ve followed a standard wealth accumulation playbook: save more, stay invested, ignore the daily market headlines, and let time do the heavy lifting. And those rules worked—they got...
How often does Pre Retirement Navigated release new episodes?
Pre Retirement Navigated has 16 episodes. Check the episode list to see recent publication dates and frequency.
Where can I listen to Pre Retirement Navigated?
You can listen to Pre Retirement Navigated on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Pre Retirement Navigated?
Pre Retirement Navigated is created and hosted by Will Hoffman.
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