Can You Afford to Retire in the Next Two Years?
Retiring soon? Get a written retirement paycheck plan before you stop working. We help Huntsville and Orlando-area pre-retirees coordinate income, taxes, Social Security, and investments with absolute clarity.
ou’ve spent decades building your wealth
But the transition from saving to spending is where most pre-retirees feel the most vulnerable. Most consumers don’t wake up worrying about the "distribution phase." They wake up asking: "Will my savings replace my paycheck?" "Which account should I draw from first?" "What happens if the market drops right after I retire?
Without a coordinated strategy, you risk:
- Retiring without a clear understanding of your true income limits.
- Paying more in taxes than absolutely necessary.
- Making irreversible mistakes with your pensions or investments.
Clarity over guesswork
At CochranMickels, we provide one-on-one retirement income planning. No dinner seminars. No crowded hotel meeting rooms. No generic rules of thumb. Just a private retirement income review built strictly around your numbers, by advisors providing transparent, fee-only guidance.
Reduce unnecessary taxes in retirement
Make confident financial decisions with a clear plan
'Can I Retire?' Readiness Review
Stop wondering and start knowing. For individuals considering retirement in the next 1 to 5 years, this is your crucial first step. In your first conversation, you will get:
- A review of your retirement timeline and major account types.
- An analysis of your preliminary income needs.
- A clear sense of what needs to be modeled next and whether our planning process is the right fit for your situation—with zero sales pressure.
Our Simple 3-Step Process
1. Discover
We review your timeline, fears, and financial reality.
2. Analyze
We stress-test your current savings against your future income needs.
3. Plan
You leave with a clear understanding of your readiness to retire.
Trusted by Clients Planning for Retirement
Amelia
"We first met with CochranMickles when my husband was getting ready to retire. We did a lot of Internet researching before we decided upon that appointment. We were as nervous about the prospect of someone else going over our finances as we were about being able to afford retirement. We’d heard horror stories about retirees who were duped by financial advisors who turned out to be unscrupulous. We quickly surmised this would not be the case here. Meeting with them to do our retirement plan was money well spent. A few years later, after my husband retired, we asked CochranMickles to handle our retirement."
Norman
"I want to thank CochranMickels for fifteen years of steady growth in my Trust and Savings Accounts. Your availability and counsel have provided me with a secure financial plan that allows me to be confident that those who succeed me will benefit. In addition, it is comforting to know that I can call on CochranMickels when questions arise on wills and other financial related matters. Both you and my account executive, Lucas Staples, have been a pleasure to do business with. I look forward to more years of financial security with your company."
This Readiness Review is designed for you if:
- You are planning to retire within the next 1 to 5 years.
- You have $500K+ in investable assets.
- You want a trusted, fee-only fiduciary—not a product salesperson.
Don’t Leave Your Retirement Date to Chance
The decisions you make today will impact your income for decades.
Get clarity. Reduce risk. Move forward with confidence.
Complimentary Retirement Income Analysis
Fill out the form below to get started:
4801 University Square Drive, Suite 26 Huntsville, AL 35816
Huntsville Office: 256-417-4870
Orlando Office:
407-220-1040
Disclaimer:
Investment Advisory Services are offered through CochranMickels Retirement Specialists, LLC., a state-registered investment advisor domiciled in Alabama.