You’ve assessed your finances, set clear goals, maximized savings, managed debt, and prepared for peace of mind. Now comes the most important part: execution. Plans on paper don’t create freedom — actions do. And because life changes, reviewing your plan ensures it grows with you.

1. Review Your Plan Regularly

At least once a year, revisit your retirement roadmap. Markets shift, expenses change, and goals evolve. Ask yourself:

• Has my income or spending changed?
• Am I on track with my savings and debt goals?
• Do my retirement lifestyle goals still feel aligned?

2. Adjust As Needed

Adjustments aren’t setbacks — they’re part of the process. Increase contributions when you get a raise, or rebalance investments if your risk tolerance changes. The goal is progress, not perfection.

3. Consider Professional Guidance

Even the most motivated person can benefit from a guide. A financial coach or planner can help with:

• Investment strategy and tax planning
• Withdrawal strategies to stretch savings
• Weighing trade-offs between spending, saving, and giving

Think of them as a personal trainer for your finances — keeping you accountable and on track.

4. Create a Withdrawal Strategy

Once retirement begins, it’s time to shift from saving to spending wisely. A common guideline is the 4% rule — withdrawing 4% of your portfolio annually. But your situation may call for a custom approach, especially if you plan to retire early or have unique expenses.

Consider factors like inflation, healthcare costs, and your desired lifestyle. The right withdrawal strategy balances security with flexibility.

Takeaway

Phase 6 is where your plan comes alive. By executing consistently, reviewing regularly, and adjusting as life changes, you create not just a retirement plan — but a retirement reality. Freedom isn’t one big decision; it’s a series of steady, intentional choices.