Choosing when and how to retire is one of life’s biggest milestones—and not something you should navigate alone. Having the right professionals by your side can make a world of difference in creating a secure, well-rounded plan for your future.
A recent Kiplinger article, “The Six People You Need to Talk to Before Retiring—and the Best Questions to Ask,” highlights the key experts to consult as you approach retirement. These same professionals also play a major role in shaping your estate plan.
Here’s who should be on your team—and how they can help:
A financial planner helps map out your long-term goals and the lifestyle you want in retirement. They’ll assist in budgeting, investment strategy, and projecting how much you’ll need to live comfortably—now and in the future.
Working with a financial advisor early on helps you make informed decisions, reduce financial stress, and prepare for surprises along the way.
Estate planning isn’t just for the wealthy—it’s essential for anyone who wants to stay in control of their finances and health care decisions.
An experienced estate planning attorney ensures your will, trust (if needed), and advance directives are properly drafted and legally sound. They can also help you:
Even if you don’t anticipate leaving behind significant assets, having an estate plan makes things easier—and far less stressful—for your loved ones.
As you step away from employer-provided benefits, it’s crucial to understand your options for health coverage and long-term care.
An insurance agent can guide you through Medicare choices, supplemental policies, and long-term care insurance—an increasingly important consideration as care costs continue to rise. Some may suggest hybrid life insurance policies that include long-term care benefits.
Not many people are familiar with this role, but a senior living advisor can be an invaluable resource. They help identify housing options, community services, and technology tools to support aging in place.
Whether you're considering independent living, assisted living, or just want to explore available support, a senior living advisor helps you stay ahead of the curve.
Timing is everything when it comes to Social Security. A Social Security advisor can analyze your personal and financial circumstances to help you decide when to begin collecting benefits. They’ll also take into account life events such as widowhood, divorce, or disability.
This guidance can help you make the most of your benefits—especially when paired with your broader retirement strategy.
A CPA is essential for planning the tax side of retirement. They’ll help you coordinate distributions from retirement accounts, minimize tax liabilities, and ensure that your income streams work together efficiently.
From IRA withdrawals to Social Security income, your CPA can create a strategy that supports both your short-term cash flow and your long-term goals.
When it comes to retirement, it’s natural to focus on finances—but estate planning plays an equally important role. It ensures that your voice is heard, your loved ones are protected, and your wishes are carried out if something happens to you.
At the Werner Law Firm, we believe estate planning is a team effort—and our estate planning attorneys are here to be one of your most trusted partners. Whether you're preparing to retire or looking to secure your legacy, we can help make sure your documents are in place, your wishes are honored, and your loved ones are protected
If you have any questions, schedule a free appointment with us through our online appointment page.
You can also read reviews from some of the hundreds of clients we have helped over the years.
Reference: Kiplinger (Feb. 27, 2025) “The Six People You Need to Talk to Before Retiring—and the Best Questions to Ask”
Founded in 1975 by L. Rob Werner, The Werner Law Firm and our dedicated attorneys are available for clients, friends, and family members to receive the legal help they need and deserve. You can trust in our experience and reputation to help navigate you through your unique legal matters.
Hiring a lawyer can be a daunting task, but it doesn’t have to be. From the moment you contact our firm, through the final resolution of your matter, our goal is to make the process easy and understandable. Through our Werner Law Firm Difference, our goal is to have you feel like a burden was lifted from your shoulders, and that we made the whole process an easy one
If you’re looking into taking care of your estate planning, we urge you to schedule a free initial appointment today and join the many satisfied clients who have contacted Werner Law Firm.
