Can You Retire with $400k and Social Security? | Retirement Case Study

Is $400,000 and a Social Security benefit enough to retire? If you're nearing retirement and wondering whether your current savings and income will support the lifestyle you want, this video is for you.

We walk through a real-world retirement scenario to help you understand what it takes to make retirement work with a $400k portfolio and a $3,500/month Social Security benefit.

🧭 What You’ll Learn in This Video:
1. Define Your Retirement Goals – Know what you’re retiring to, not just what you’re retiring from. Set clear goals tied to real-dollar costs.
2. Can You Afford Your Retirement Lifestyle? – Understand your monthly expenses and determine if your desired lifestyle is truly within reach.
3. Identify Income Sources & Gaps – Learn how to calculate your retirement income shortfall and options to bridge the gap.
4. Create a Withdrawal Strategy – See how to access your savings in the most efficient way using Traditional Withdrawal Order and dynamic strategies.
5. Build a Real Investment Strategy – Discover how to align your investment allocations with when and how you’ll need the money.
6. Create a Tax Plan for Retirement – Use strategies like Roth conversions, tax loss/gain harvesting, and account/allocation placement.

💡Too many retirees “wing it” with their portfolio and end up running short. In this video, I’ll show you the same step-by-step process I use with clients to help them retire.

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⏱️ Timestamps:

00:00 – Introduction: Can You Retire with $400k and Social Security?
00:30 – Area 1: Define Your Retirement Goals
01:05 – Area 2: Can You Afford Your Ideal Retirement Lifestyle?
01:30 – Area 3: Identify Your Income Sources & Gaps
02:05 – Area 4: Create a Withdrawal Strategy
02:10 – Step 5: Build a Real Investment Strategy
02:40 – Step 6: Build a Tax Plan for Retirement
03:17 – Real Retirement Case Study (Overview)
03:30 – Income Overview (Retirement Case Study)
04:05 – Pre-Retirement Expenses (Retirement Case Study)
04:17 – Savings Overview (Retirement Case Study)
04:25 – Retirement Goals Overview (Retirement Case Study)
05:40 – Net Worth Overview (Retirement Case Study)
06:21 – Retirement Plan Analysis & Overview
06:58 – Investment Strategy Overview
10:57 – Pre-Retirement vs Retirement Investment Allocation
11:25 – Retirement Spending (Inflation Adjusted vs Retirement Spending Smile)
12:21 – Withdrawal Strategy & Withdrawal Rate (How to Calculate and Analyze)
13:31 – Cash Flow Overview
15:36 – Retirement Tax Plan - Roth Conversions (A Real Example)
17:56 – Summary & Thank You

#retirementplanning #SocialSecurityRetirement #RetirementIncome #InvestmentStrategy #TaxPlanning