5 Simple Retirement Questions

Some of retirement’s most important questions may seem simple. However, when you consider your options, these questions tend to get complicated. Join us as we unpack five seemingly simple questions about retirement.

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The View From The Pinnacle

Some of retirement’s most important questions may seem simple. However, when you consider your options, these questions tend to get complicated. Join us as we unpack five seemingly simple questions about retirement.

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

[1:50]Mailbag: Retiring Early

  • Jeff wants to retire in five years when he turns 55 — is that a bad idea?
  • Sean says if most of the money saved is in a retirement account, there will be some restrictions.
  • Sean gives a few options for how to take money out early, but the sources of income need to be considered.

[4:50]When To Take Social Security

  • You can get it at 62, but you don’t always need to start taking Social Security then.
  • When you look at taking Social Security, you might want to take the most money possible.
  • You need to see when it will put the least amount of stress on your assets.
  • Try to optimize it, not maximize it.

[7:06]Diversifying Your Portfolio

  • A lot of people pick a couple of options to say they are diversified without an analysis.
  • They may feel diversified with different funds, but the reality is it’s across investments doing the same thing.
  • You want your investment strategy to be elegantly simple and your portfolios boring.

[9:34]Picking 401(k) Funds

  • The simplest way to do it is with target date funds.
  • You can build allocations yourself and invest in the funds.
  • If you build an allocation, make sure you understand what those funds are investing in to diversify it.
  • There’s nothing wrong with using one target date fund. It will alleviate some of the stress.

11:04 – 401(k) Rollovers

  • Any time you leave an employer, you have three choices: cash it out, leave it where it is, or roll it into an IRA.

12:20 – Covering Long-Term Care Costs

  • 50 to 60 percent of Americans will need the cost of long-term care according to a Genworth Cost of Care Survey.
  • Sean shares about his grandparents and their care needs as an example.
  • Consider the real cost of it today, and then determine how you’d want to address it.

Looking Back From The Mountaintop

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Important Ages in Retirement

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.


Portfolio Expectations

What are your portfolio expectations? Are they too high? Today we talk through an article that shares investor expectations on their portfolio and why, in many cases, they are higher than they should be.


Financial Fill in the Blank

Let’s play a game of fill-in-the-blank with Sean to see how he would finish off these financial statements. What will the market do to you? What’s the best way to set yourself up for success in retirement? What’s the biggest financial mistake retirees make?



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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The retirement kit is provided for informational purposes only. It is not intended to provide tax or legal advice. By requesting this report, you may be provided with information regarding the purchase of insurance and investment products in the future.