At 62, you suddenly have more retirement options—but the wrong sequence can lock in lower Social Security, higher Medicare premiums later, and a tax-inefficient withdrawal path. Here’s the fiduciary checklist I walk through with every client at 62 to protect flexibility and coordinate taxes, benefits, healthcare, withdrawals, Roth conversions, and estate planning.

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Near retirement with $500K–$5M invested? The biggest wins come from coordinating taxes, withdrawals, Social Security, Medicare, and risk—before the decisions lock in.