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 Pre-Retirement Navigated, host Will Hoffman, founder and president of Hoffman Wealth Management, focuses on the final year leading up to retirement. Year one isn’t about making new, complex decisions—it’s about practicing and verifying the plan you’ve built. Will explains how to test-drive your retirement income while keeping your salary as a backstop, how to run simulations for life’s unexpected curveballs, and why missing your Medicare registration deadline can lead to permanent, lifelong financial penalties.

Key Takeaways:

• The Anxiety Gap: Why pre-retirees worry far more than current retirees and how clarity bridges the gap.

• The Practice Run: How to spend a few months living strictly on your projected retirement income to test its feasibility.

• The Most Expensive Mistake: How a simple calendar oversight with Medicare enrollment can result in lifetime premium penalties.

• Stress-Testing Your Plan: Running simulations for simultaneous emergency expenses before leaving the workforce.

 

📥 Episode Resources:

• Download the Free Pre-Retirement Checklist:  — Analyze where you currently stand, where you need to go, and what work still needs to be done.
• Book a Complimentary Discovery Call: — Schedule a zero-pressure conversation with our team to discuss your specific timeline and see if we’re a fit.
• Watch the Companion YouTube Video Series: — Prefer a more formal, scripted, and structured video breakdown?

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