The Age-Gap Couple Retirement Plan (Real Numbers)

A viewer asked: "Does the $800k retirement plan still work if there's a 5-year age gap?" The answer is yes — but it's a completely different strategy. Here's the real plan with real numbers. In this video, I walk through a real planning scenario for a couple with a 5-year age gap who want to retire now. Chris is 60. Laura is 55. They have $900,000 across a traditional 401(k)/IRA, a Roth IRA, and a checking/savings account. Their income target is $5,700/month. What most people don't realize is that a 5-year age gap creates four separate planning timelines that all interact: healthcare coverage, Roth conversion windows, Social Security timing, and income phase sequencing. Get one wrong and it tends to compound into the others. I break down each variable with real numbers — and show how the plan may come together across three distinct income phases. Topics covered: — ACA healthcare gap: one spouse faces 10 years before Medicare — Income sequencing: three approaches depending on your cash flow needs — Roth conversion window: when it may (and may not) make sense — Social Security timing: two different FRA dates, one staggered strategy — Income phase map: three phases from retirement through age 70+ All numbers shown are hypothetical illustrations only. Past performance is not indicative of future results. #RetirementPlanning #AgeGapCouple #RetireAt60 📋 Free Pre-Retirement Readiness Checklist → https://radiantvest.com/checklist 🧮 RadiantVest Retirement Calculator → https://radiantvest.com/calculator 📅 Schedule a Consultation → https://calendly.com/radiantvest CHAPTER TIMESTAMPS 0:00 — Does the Age-Gap Change Everything? 0:31 — The Four Timelines Most Couples Miss 1:35 — Meet Chris & Laura: The Starting Point 3:27 — The Healthcare Bridge: Two Different Gaps 6:01 — The Roth Conversion Window: Does It Apply Here? 7:35 — Social Security: Two Different Timelines 9:03 — Pulling It Together: The Income Phase Map 11:01 — What Could Go Wrong 12:39 — The Belief Bridge 13:09 — Watch This Next 13:42 — Compliance Disclaimer