Your 60s are often about converting a pile of savings into a rhythm of income. That is a different skill from accumulating.

Social Security timing, Medicare enrollment, required minimum distributions in later years, and healthcare costs all start to share the same calendar. A change in one place can affect another.

People sometimes feel pressure to “lock in” a strategy quickly. Take the time to understand what is guaranteed by a contract, what is an assumption, and what is simply a projection. Ask what happens if you live longer than the spreadsheet, or if you need a lump sum for care.

If life insurance is part of the conversation, the question is whether the policy still matches the job you want it to do — income replacement, legacy, or cash-value access — and what it costs to keep that job.