Mr. Hartono — Optimizing Retirement at 58

Overview

After thirty years in logistics, Mr. Hartono wanted to retire at 64 — but his savings were scattered across an old 401(k), two IRAs, and a brokerage account he rarely checked. He had never modeled what retirement actually costs, and every online calculator gave him a different answer.

The challenge

Six working years remained: too short for vague advice, too long to leave to chance. His accounts were allocated almost identically despite very different tax treatments, he was missing catch-up contributions he qualified for, and no withdrawal order existed — the most expensive gap of all.

Our approach

We priced his retirement year by year, then rebuilt the funding order: maximized catch-up contributions, repositioned income-heavy holdings into sheltered accounts, and timed Social Security to bridge the early years. A written drawdown sequence now dictates exactly which account funds each year of spending, with healthcare costs provisioned separately.

The outcome

The model confirmed 64 with margin to spare — and showed which levers move the date if markets or health intervene. Annual reviews now take ninety minutes, and Mr. Hartono describes the feeling in one word: settled.