In this retirement planning case study, financial planner Ryan Rinehart walks through the real numbers of Brad and Sara, a couple both age 62 with $2 million saved and a pension. He stress tests their plan, reveals they can retire two years early, and shows how adding $40,000 in annual lifestyle upgrades — a golf club membership and extra travel — still leaves them financially secure. The video also explores a Roth conversion strategy to reduce the tax burden their children would face when inheriting their retirement accounts.
