Retirement readiness
The number is one question. There are four others.
Most retirement planning stops at money. Then people retire into a calendar with nothing on it.
Sessions work the whole picture. When you can realistically stop, what your spending actually looks like when work expenses disappear, which accounts get drawn first, and how a phased or consulting year changes the math. The financial questions are framed for a conversation with your own adviser, not replaced by one.
The second half is the part people skip: identity, structure, relationships and purpose in the first two years after work ends. Who you are when the job title goes, what a Tuesday looks like, how a couple negotiates 24 hours of shared space, and which of your skills you want to keep using.
This is coaching and transition planning. Melissa does not manage investments, calculate a formal retirement projection, sell annuities or provide tax or legal advice. Bring your own financial professional into the numbers; the coaching covers decisions, timing and the life on the other side.
Where the work happens
Timing
A realistic stop date checked against spending, health and obligation.
Draw-down questions
The order of accounts, framed for a conversation with your adviser.
The first two years
Structure, identity and relationships planned rather than discovered.
Good fit if
- You are within five years of retiring and have not planned the days after.
- You have retired and the calendar is emptier than you expected.
- You are weighing a phased exit or an encore career.
Questions people ask first
Will you run my retirement numbers?
No. Coaching reframes the questions and the decisions. Projections, tax strategy and investment allocation belong with a licensed financial professional.
Can my spouse attend?
Yes. Retirement is a shared transition, and couples commonly attend together. Couples & Marriage Enrichment covers the relationship side in more depth.
What if I have already retired?
That is a common starting point. The work shifts to structure, purpose and rebuilding a week that has a shape to it.
Related work
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Retirement Readiness Retirement readiness coaching with Melissa Frierson, MBA. Plan the transition, the timing and the life after work, not just the number. https://melissafrierson.com/services/retirement-readiness-coaching #RetirementReadiness #Leadership #Coaching
Coaching covers habits, decisions, plans and follow-through. It does not diagnose or treat health conditions, provide legal, tax or investment advice, or replace therapy. Coaching is not an emergency service: call 911 in an emergency, or call or text 988 in a mental health crisis.
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