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Retirement Resilience · Authority Guide

Phased Retirement Planning

Phased retirement — gradual reduction from full work — strengthens resilience by delaying portfolio drawdown and maintaining benefits.

In this guide

  1. 1 · Executive summary
  2. 2 · Key takeaways
  3. 3 · Key strategies
  4. 4 · Pro-tips checklist
  5. 5 · FAQ
  6. 6 · Related guides & tools

Executive summary

Phased retirement — gradual reduction from full work — strengthens resilience by delaying portfolio drawdown and maintaining benefits.

  • Reduce hours before retiring fully
  • Delay portfolio drawdown 2–3 years
  • Bridge to age 65 for Medicare

Key takeaways

  • Reduce hours before retiring fully
  • Delay portfolio drawdown 2–3 years
  • Bridge to age 65 for Medicare
  • Bridge to age 70 for max Social Security

Key strategies

  1. Strategy 1

    Reduce hours before retiring fully

  2. Strategy 2

    Delay portfolio drawdown 2–3 years

  3. Strategy 3

    Bridge to age 65 for Medicare

  4. Strategy 4

    Bridge to age 70 for max Social Security

Pro-tips checklist

  • Test the phased income against actual expenses
  • Negotiate benefits continuity

FAQ

Is a phased retirement always better?

Financially yes; emotionally varies. Most retirees benefit from at least 1–2 years of reduced work.