10 Step Layoff Survival Guide, Part 2

In continuation with our two-part series on how to survive a layoff or forced early retirement, we talk through five more steps on how to get through it. What options do you have moving forward?

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The View From The Pinnacle

In continuation with our two-part series on how to survive a layoff or forced early retirement, we talk through five more steps on how to get through it. What options do you have moving forward?

Click the timestamps below to fast forward to certain points of the episode.


Thing’s You’ll Learn Along Today’s Journey

On today’s podcast, we pick up where we left off with the layoff survival guide. Do you know what to do in case this happens to you? How can you ensure it goes as smoothly as possible?

If you lose your job, you likely are also losing your health insurance. So, what are your options? What are you qualified for right now and what best suits your needs? What if you are retiring early?

Do you have an updated Social Security estimate? Go to SSA.gov to find out what your estimate will be. Having this information can make a significant difference in your plan. Are you leveraging this tool correctly? When should you start taking out Social Security? 


Are you being offered a lump-sum payment? Is it better to take the lump sum or the pension? Talking with an advisor can help you better understand what aligns with your goals and needs. Do you need a consistent monthly income? How do you feel about inheritance?

If you got laid off or forced into early retirement, consider whether you want to go back to work or not. Maybe you want to work part-time or in a different role. Maybe you weren’t planning to retire just yet, but now have found you actually are ready to retire once you’ve adjusted your plan.

Before you take action on any financial decision, seek a professional’s opinion. Surviving a layoff is doable, if you have a proper plan in place. Having clarity can give you the confidence you need to move forward.

Listen to the entire episode or click on the timestamps below to skip ahead to a particular step.

0:18 – Sean shares how his kids have been doing lately.

1:38 – Let’s continue our 10 step layoff survival guide.

2:42 – Step 6: Learn about the health insurance options.

4:28 – Step 7: Get a new Social Security estimate.

5:52 – Step 8: Consider the lump-sum payment.

7:46 – Step 9: Determine whether or not you want to go back to work.

9:44 – Step 10: Seek a professional’s opinion.


Looking Back From The Mountaintop

Clarity creates confidence. The more confident people are when they go into retirement, it’s because they’ve put some groundwork in place; they have clarity on their plan. You build a plan for the what-if scenarios.

-Sean Lee


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What are the milestone moments you face in retirement as you age? Today, we talk about some of the ages to keep in mind and why they are important as you reach each one. Whether you are a few years off or if you are right in the middle of these, thinking through what you should be doing with the money can make a huge impact in your financial life.



For over a decade, Sean Lee has helped families reach and maintain their financial goals. As a trusted advisor, he coaches and assists his clients with their financial goals by focusing on the fundamentals and takes a practical and personal approach when working with them.

As a trusted professional in Utah, Sean has been featured in The Wall Street Journal’s Market Watch, The Deseret News, The Salt Lake Tribune and USA Today. He has also been featured as a local financial advisor on Utah’s NBC station, KSL 5.

Questions for Sean?



(801) 639-0095


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