Pre-Retirees

Retirement is closer than it feels—now’s the time to get it right.

You’ve built your career and saved steadily. But now you’re wondering: Is it enough? What’s next? At Johanson & Yau, we specialize in guiding pre-retirees through this pivotal transition. Our collaborative, tax-aware approach helps you move from accumulation to income—with a clear plan, tested strategies, and a team who’s been here before.

Questions You Might Be Asking

We offer a clear, coordinated process to help you prepare. With deep expertise in tax strategy, retirement projections, and portfolio design, our team gives you the tools—and peace of mind—to make decisions with confidence. It’s not just about “when” you can retire. It’s about how ready you feel when you do. If you’re within 10 years of retirement, you might be wondering:

How much do I need to retire comfortably?
Am I saving in the right places—401(k), Roth, brokerage?
When should I take Social Security or pension benefits?
Will I face higher taxes in retirement?
Can I afford to retire early—or work less now?
What happens to healthcare coverage before Medicare?
How do I shift from growth to income-focused investing?

Common Goals We Help You Pursue

Set your retirement timeline
Maximize pre-retirement savings
Create tax-smart withdrawal plans
Choose optimal Social Security timing
Prepare for healthcare needs
Gain clarity on next steps

Integrating Your Wealth Picture

Investment Management

Wealth Management

College Planning

Retirement Planning

See All Services

You’re almost there—let’s finish strong. 

Schedule Meeting

Who We Serve

From tech professionals to business owners, discover the people we help and the problems we solve.

View Our Clients

Our Approach

Our approach is personal, practical, and built around your life—not just your assets.

See How We Help

Wealth Services

Get to know our approach to financial planning, investment management, and equity compensation strategies.

Explore Our Solutions