The insight

The most important window
in your financial life. Are you prepared?

The Retirement Red Zone is the ten most critical years of your financial life — when mistakes can be costly, timing is everything, and the right decisions echo for decades.

The Retirement Red Zone spans the five years before and five years after retirement — a critical crossroads where smart planning doesn't just protect your future, it transforms it.

The Retirement Red Zone
Still building −5 yrs → Retire → +5 yrs Drawing down

The Risk is REAL

A market correction, a spike in inflation, or a tax misstep in this decade can do damage you may never recover from. Timing matters more here than anywhere else.

There are no do-overs in retirement.

Your money has to last — and so should your quality of life. We create a plan that addresses both.

We GET it.

Our practice understands this critical window — the pitfalls, and how to navigate the households living through it.

The mission

To prepare and empower our clients to thrive throughout their financial journey.

Time is our most valuable asset — and while retirement may be the ultimate destination, we deserve to thrive now, too. At 10/28 Wealth Management we steward you and your family along this lifelong journey with grace, compassion, and 27 years of accumulated wisdom.

Let's talk

Let's plan your home stretch.

Thirty minutes, no pressure, no obligation. Just straight talk about what matters to you, whether we can help you get there, and what that looks like.

Book a discovery call → Email us