How to Organize Your Retirement: 5 Steps Before It's Too Late

Retirement organization could cost you more than a bad investment ever will. Americans have left behind $2.1 trillion in forgotten 401(k) accounts—and that disorganization could potentially cost some people over $500,000 in foregone savings.

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In this video, I reveal the three hidden costs of a disorganized retirement and give you a five-step framework to fix it. You'll learn why good savers often make poor retirees, how scattered accounts silently drain your wealth, and the critical spouse protection step most people skip.

Research shows 64% of Americans fear running out of money more than death—yet many retirees with substantial savings withdraw only 2.1% annually because they can't clearly see what they have. Organization isn't about tidiness—it's about giving yourself permission to actually enjoy retirement.

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SOURCES
1. Capitalize & Center for Retirement Research (2025) - $2.1T forgotten accounts, $500K+ potential cost: https://www.hicapitalize.com/resource...
2. Bureau of Labor Statistics (2024) - 12.7 jobs by age 56: https://www.bls.gov/news.release/nlso...
3. Thrivent Survey (2024) - 41% of widows had no financial plans; 70% leave advisor within first year: https://newsroom.thrivent.com/2024-06...
4. Allianz Life 2025 Study - 64% fear running out of money more than death: https://www.allianzlife.com/about/new...
5. Blanchett & Finke (2025), Financial Planning Review - 2.1% actual withdrawal rate: https://papers.ssrn.com/sol3/papers.c...

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DISCLOSURE
Client Story: "Tom and Linda" is a composite illustration based on common experiences. Names changed. For illustrative purposes only.

Covenant Wealth Advisors is a registered investment adviser. This content is for educational purposes only and is not investment, tax, or legal advice. Potential benefits described are based on research and are not guarantees. Individual results vary based on your situation, future tax laws, and market conditions. Consult qualified professionals for your specific needs. All investing involves risk, including potential loss of principal. Past performance does not guarantee future results. For firm information, visit adviserinfo.sec.gov.

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