Getting a comprehensive second opinion on a retirement plan can uncover small gaps that become major issues later. At CWM we start by reviewing current investments, allocations, risk exposure, and fee structures, including hidden fees and unrecognized risk. We then stress-test your plan for market drops before retirement, elevated inflation, and longer-than-expected lifespans, emphasizing sustainability over growth. The review also focuses on turning assets into reliable income by examining withdrawal timing, Social Security, and tax-efficient income streams, along with checking beneficiary designations, required minimum distributions, healthcare planning, and legacy goals. A second opinion isn’t about criticizing an existing advisor but providing clarity, peace of mind, and potential improvements in risk, taxes, and income sustainability.
