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.

Apple PodcastsSpotifyGoogle PodcastsStitcherTuneIn

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

Resources From Today’s Podcast

Sign Up For A Class With Us

Check Out Our Media Center

Learn More About Sean

Your Guide:

Sean P. Lee – Contact


Ep 104: Easy Ways to Ruin Retirement

After saving and waiting for so many years, no one wants to make a big mistake that could ruin retirement. Making certain assumptions about what retirement will be like may lead to disappointment. On today’s show, we dive into the realities of retirement and some easy ways you could ruin it, drawing on Sean’s insightful conversations with clients as they navigate this new chapter in their lives.


Ep 103: Financial Planning with Yogi Berra

Following the wisdom and quotes of Yogi Berra, we compare some lessons in financial planning with what we’ve heard from this famous professional baseball player. From as-sessing past financial decisions you’ve made to planning for your financial future, there’s a lot of takeaways we can learn from Yogi Berra.


Ep 102: The Biggest Retirement Challenge No One Talks About

In this episode, Marc and Sean will discuss a recent CNBC article about a man who ‘un-retired’ at 67 because he was bored and restless. What are the biggest issues people face when they don’t have a plan for retirement? We’ll tell you what we’ve seen and talk about what you can do to avoid that feeling.



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


Investment Advisory Services offered through Elevated Capital Advisors, LLC, an SEC Registered Investment Advisor. Insurance products and services are offered through Elevated Financial Services, LLC.

*Guarantees provided by insurance products are backed by the claims-paying ability of the issuing carrier.

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.