Nate Willardson, CFP® and Managing Partner at Currents Wealth Strategies was recently featured in an in-depth interview with Connectively, sharing his expertise on retirement and financial planning for pre-retirees.
On what makes the years before retirement so critical: “The 5 to 10 years before retirement is the most consequential financial window of most people’s lives. Most people spend decades focused on accumulation, but the years before retirement demand something different: coordination, tax planning, and a strategy built for what comes next.”
On his planning process: “My job is to bring order to complexity. I look at a client’s complete financial picture — investments, taxes, income, estate, and business interests — and build a strategy that works as a unified system.”
On sequence-of-returns risk: “Sequence-of-returns risk is typically the largest threat to a successful retirement. Clients with a real plan don’t make reactive decisions. They stay invested, stay on course, and let the strategy do its job.”
His bottom line: “Having a proper plan is what separates those who have successful retirements from those who don’t.”
