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Rogelio Gonzalez, CRPC®, CSRIC™
Financial Planner
Prudential Advisors
Pacific Northwest Financial Group
1700 SE Mile Hill Drive, Suite 264
Port Orchard, WA 98366
Phone: 360-919-4271
Email: rogelio.gonzalez@prudential.com
Website: www.prudential.com/advisor/rogelio-gonzalez
January/February 2026
Retiring Early in 2026?
As your retirement date approaches, it's essential to develop a comprehensive strategy that aligns with your personal goals and desired lifestyle. Retirement is not merely a departure from the daily grind; it's an exciting chapter that offers the opportunity to delve into passions, create lasting memories, and build a legacy that reflects your values. To ensure a smooth transition into this new phase, consider the following essential factors.
Identify What Retirement Means to You
Is it about traveling to new destinations, immersing yourself in hobbies, or dedicating time to family? Articulating your aspirations will guide your financial and lifestyle adjustments. Think about your vision: would you like to spend your winters in a warmer climate? Or perhaps you envision a quieter life enriched with community service and local engagement. Knowing your goals will help you make informed decisions regarding your finances.Coordinate Your Income Sources
You (and your spouse or partner, if applicable) probably have various retirement investment vehicles at your disposal, such as 401(k), 403(b), 457 plan accounts, company pensions, and IRAs. You may have the proceeds from selling a business. Look at them as a whole and consider how to maximize them before you retire.If possible, make the maximum retirement savings plan accounts for 2025 (if you haven't already) and 2026 before you retire to pack away more retirement funds and ensure you are maximizing any employer matching contributions. Do the same with IRA contributions, if eligible. You can make an IRA contribution for 2025 of up to $7,000/$8,000 if age 50 or older until April 15, 2026. Contributions for 2026 can be made starting January 1.
Consider Taxes
Remember, most retirement plan distributions are taxed at your personal tax rates, while Roth account distributions are tax-free. Discussing your retirement assets with a trusted professional and how they can best serve you is a key step to a secure retirement. Another is aligning your retirement accounts to optimize your tax strategy. This could significantly impact your overall retirement income.Create a Legacy
Finally, consider how you want to leave a lasting impact. Whether through philanthropic efforts, heritage investments, or maintaining your family's wealth, having an estate strategy in place ensures that your wishes are honored and that your legacy remains intact.By understanding your retirement goals, optimizing your retirement savings accounts, reviewing your investments, and planning your legacy, you can embark on your retirement journey with confidence and excitement.
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Rogelio Gonzalez is a Financial Planner with and offers securities and investment advisory services offered through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial.
"Prudential Advisors" is a brand name for the propriety retail sales channgel of The Prudential Insurance Company of America ("PICA") and its insurance company and other affiliates (collectively "Prudential"). Prudential Advisors financial professionals are licensed insurance agents of Prudential.
Pursuant to a strategic relationship among Prudential, LPLE, and LPL Financial, Prudential Advisors financial professionals provide securities brokerage services and/or investment advice on securities solely as registered persons of LPLE, an affiliate of LPL Financial. These financial professionals are permitted to brand under "Prudential Advisors".
LPLE and LPL Financial are not affiliated with Prudential or Pacific Northwest Financial Group.
Prudential, Prudential Advisors, and the Pacific Northwest Financial Group are not registered as a broker-dealer or investment advisor.
Pacific Northwest Financial Group and LTM Marketing Solutions, LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Marketing Solutions, LLC, an unrelated third party. Articles are not written or produced by the named representative.
The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.