Are You Retirement Ready?
How much do you actually need to retire?
Most people can tell you their 401(k) balance. Almost no one can tell you if it's enough. Answer a few quick questions and we'll send your free Retirement Guide — built around your situation, not a generic rule of thumb.
of workers and retirees have never actually calculated how much they'll need for retirement — confidence without a number attached.
Source: 2026 EBRI & Greenwald Retirement Confidence SurveyYou're on your way.
A team member will reach out to you with your personalized results. In the meantime, here's 5 Things Worth Knowing Before You Set a Retirement Date:
Book Your Complimentary Strategy CallPrefer to talk now? (970) 212-5254
You think about these more than you let on.
These aren't unusual questions. They're the ones that keep people up at 2am — and the ones a real plan is built to answer.
Will my money actually last?
Not "on average" — for your life expectancy, your spending, and a market that won't always cooperate.
When can I really stop working?
Is the date in your head a real target, or a guess you've been repeating so long it feels true?
Am I behind — or right on track?
Without a benchmark for your situation, "enough" is just a feeling. It should be a number.
Still wondering where you actually stand?
Takes 90 seconds — no cost, no obligation.
Your Retirement Guide
A one-page, no-jargon guide covering five things that quietly make a bigger difference than most people expect — the same five things our team walks through with clients every day.
Your Full Retirement Age Isn't Your Only Option
How claiming at 62 vs. Full Retirement Age vs. 70 changes your lifetime numbers.
Withdrawal Order Matters as Much as the Amount
Which accounts to draw from first — and why the sequence affects your tax bill.
Healthcare Costs Don't Wait for Medicare
The coverage gap before 65, and what Medicare still doesn't cover after.
"Will My Money Last" Isn't Just About the Balance
Why the order your returns arrive in can matter as much as the total.
A 30-Year Retirement Isn't Rare Anymore
Planning for a longer runway than "average" life expectancy suggests.
A team held to the fiduciary standard.
Real advisors review every request, backed by a CFP®- and CRPC™-led planning team — not a call center.
Roger Relucio, CFP®, CRPC™
Leads Breakaway's wealth management practice with a focus on straightforward, actionable retirement planning.
Pasqualino Ruffa, CFP®, CRPC™
Works with clients to organize their finances and build investment plans centered on their real goals.
David M. Kraus, CRPC™
Focused on simplifying complex financial decisions so clients can move forward with confidence.
Blaine Tucker
Works with clients to build a clear, actionable picture of their retirement goals and options.
Held to the fiduciary standard.
Before any recommendation, we look at where you actually stand — your accounts, your spending, your goals. Only then do we build a plan around your future. Securities and advisory services offered through LPL Financial, a registered investment advisor.
A few things people wonder
Yes — your Retirement Guide and your first conversation with us don't cost anything, and there's no obligation to work with us afterward.
No product pitch, no script. We'll be straightforward with you: our hope is that after the conversation, you'll see enough value to want to work with us — but that's earned, not pushed. If it's not a fit, you'll walk away with a clearer picture either way.
Calculators spit out a single number from a few inputs and call it a plan. Your Retirement Guide is built by a CFP®-led team using the same professional planning tools we use with clients every day — and a real number for your situation comes from a conversation, not a guess.
Most people who request a Retirement Guide feel exactly that way. That's the point of getting clarity now, while you still have time to make adjustments.
Your Retirement Guide arrives by email shortly after you submit. A member of our team may also follow up to see if you'd like to schedule a complimentary call — you're always welcome to book that call directly instead.
Stop guessing. Start knowing.
Takes 90 seconds. Your Retirement Guide is free, personalized, and sent straight to your inbox.
