CASE STUDY
From IRS Special Agent to Early Retirement
When the Numbers Add Up to an Early Exit
The Challenge
As an IRS Investigator, Richard was trained to analyze details and think outside the box. While he was years away from mandatory retirement, he found himself questioning whether staying until age 57 was really necessary. He needed to determine if retiring four years before mandatory retirement made financial sense.
Richard’s situation presented several complex challenges:
- Validating his early retirement timeline
- Optimizing his federal benefits
- Creating a retirement income strategy that included his wife’s continued employment
- Securing his family’s financial future
- Building confidence in his retirement timing decision
The Solution
After doing his own retirement homework, Richard discovered that additional service years wouldn’t significantly increase his benefits. However, he wanted professional validation of his analysis and a custom timeline for his transition.
Richard needed:
- Verification of his retirement timing analysis
- Strategic guidance for TSP management
- Clear understanding of his benefit options
- A partner for retirement income planning
- Long-term investment management support
The Results
Richard retired early, confident in his decision to leave before mandatory retirement age. Now, he enjoys being a stay-at-home parent and managing household responsibilities, knowing his family’s financial future is stable.
Today, Richard enjoys retirement, knowing:
- His decision to retire early was the right one for his family
- His investment strategy is professionally managed
- His retirement income is optimized and flexible
- He has ongoing guidance and a sounding board for questions
- He can focus on his family and personal interests without worrying about money
This is a hypothetical situation based on real life examples. Names and circumstances have been changed. The opinions voiced in this material are for general information only and are not intended to provide specific individualized investment, tax or legal advice for any individual. We suggest that you discuss your specific situation with a qualified, legal advisor and financial advisor.
