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Trusted by 4,200+ Americans

Retire at 55 — With Confidence and a Clear Plan

We guide working Americans through 401(k) optimization, Roth IRA laddering, and early withdrawal strategies so you can leave the workforce on your own terms — without IRS penalties.

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$2.4M+
Client Assets Guided
55
Average Retirement Age
4,200+
Plans Created
Couple planning retirement
Roth IRA Ladder Tax-free at 55+
401(k) Optimized Zero early penalties
Core Strategies

Everything You Need to Retire at 55

We bring together proven tax strategies, account optimization, and legal early-access methods into one clear roadmap for your future.

401(k) Optimization

Maximize your employer match, choose the right contribution split between traditional and Roth, and structure your account to support penalty-free withdrawals under IRS Rule 72(t).

Roth IRA Laddering

Build a five-year Roth conversion ladder that allows you to access funds starting at age 55 — completely tax-free and without the 10% early withdrawal penalty most people fear.

Early Access Strategies

Leverage IRS Rule 72(t) SEPP distributions, the Rule of 55, and HSA triple-tax benefits to create steady income streams long before traditional retirement age.

Tax Bracket Management

Plan strategic conversions and withdrawals to stay within lower tax brackets during early retirement, preserving more wealth and reducing your lifetime tax burden significantly.

Healthcare Bridge Planning

Retiring before Medicare eligibility at 65 requires a solid healthcare plan. We help you evaluate ACA marketplace options, COBRA coverage, and HSA drawdown to cover the gap.

Portfolio Withdrawal Order

Know exactly which accounts to tap first, second, and last to minimize taxes, preserve growth in tax-advantaged accounts, and make your savings last 30+ years in retirement.

How RetireEdge Works

A Personalized Roadmap — Not Generic Advice

RetireEdge was founded by financial planners who retired early themselves. We understand that leaving the workforce at 55 requires more than just saving money — it demands a carefully sequenced strategy built around your specific income, tax situation, and lifestyle goals.

We work exclusively with Americans aged 35–54 who are seriously planning an early exit from traditional employment. Every plan we build is custom — no templates, no cookie-cutter portfolios.

1
Discovery Call — Free We review your current accounts, income, and retirement timeline in a 45-minute session.
2
Custom Strategy Blueprint Receive a written plan covering 401(k) moves, Roth conversions, and withdrawal sequencing.
3
Ongoing Implementation Support We stay alongside you year after year, adjusting your plan as tax laws and life change.
Financial advisor meeting
Our Plans

Straightforward Pricing, Real Value

Choose the level of guidance that fits where you are in your planning journey. All plans include a free initial call.

Starter
Foundation Plan
$497
one-time payment
  • Retirement readiness assessment
  • 401(k) contribution analysis
  • Roth IRA eligibility review
  • Written summary report
  • One 60-min strategy call
Get Started
Most Popular
Growth
Strategic Plan
$1,497
one-time payment
  • Everything in Foundation
  • Full Roth ladder roadmap
  • 72(t) SEPP calculation
  • Tax bracket optimization plan
  • Healthcare bridge strategy
  • Three follow-up calls (90 days)
Choose This Plan
Premium
Complete Retirement
$3,200
per year
  • Everything in Strategic
  • Annual plan review & updates
  • Social Security timing advice
  • Estate planning coordination
  • Unlimited email support
  • Priority scheduling & response
Get Started
Client Stories

Real People, Real Early Retirements

These are some of the Americans who worked with RetireEdge to leave full-time work years ahead of schedule.

"I had no idea the Roth conversion ladder was even a thing. RetireEdge walked me through exactly when to convert and how much each year. I retired at 54 from my engineering job and haven't looked back."

TH
Thaddeus Harrington
Austin, TX

"The healthcare piece was the part that kept me up at night. RetireEdge showed me how to use my HSA balance and ACA subsidies to cover the gap until Medicare. That one insight was worth ten times the fee."

SK
Simone Kellerman
Portland, OR

"My wife and I were both 48 when we started with RetireEdge. They mapped out a 7-year plan that had us fully set by 55. The withdrawal sequence they designed saves us thousands in taxes every single year."

RB
Reginald Bouchard
Nashville, TN
Get in Touch

Book Your Free Strategy Call

Fill out the form below and one of our retirement specialists will reach out within one business day to schedule your complimentary 45-minute consultation.

We're Here to Help You Plan

Whether you're 10 years out or 3 years away from your target retirement date, there's always a smart move to make. Let's figure out yours together.

Office Location

3847 Westlake Avenue N
Seattle, WA 98103

Phone

(206) 384-7291
Mon–Fri: 8 AM – 6 PM PST

Office Hours

Monday – Friday: 8:00 AM – 6:00 PM
Saturday: 10:00 AM – 2:00 PM

Response Time

We respond to all inquiries within one business day. Urgent matters are handled same day.