Understanding the Three Stages of Retirement: Go-Go, Slow-Go, and No-Go

Retirement isn’t a single phase—it evolves through three key stages: Go-Go, Slow-Go, and No-Go. Each stage has unique financial, health, and lifestyle considerations. Planning ahead can help ensure a secure and fulfilling retirement.

1. The Go-Go Years: Active & Adventurous

(Mid-60s to Early-70s)
This phase is marked by energy, travel, and fulfilling bucket-list dreams. Retirees often engage in hobbies, social activities, and new experiences.

Key Considerations:

• Spending Patterns: Increased expenses from travel, leisure, and entertainment.
• Healthcare: Understand Medicare options and ensure comprehensive coverage.
• Income Planning: Withdraw funds strategically to manage taxes and sustain your savings.

Planning Tip: Budget for major experiences early while maintaining a sustainable withdrawal rate.

2. The Slow-Go Years: Comfortable & Cautious

(Mid-70s to Early-80s)
While still active, energy levels decline, and lifestyle shifts toward local activities and family time.

Key Considerations:

• Healthcare Costs: Increased medical expenses.
• Lifestyle Adjustments: Less travel, more focus on home and health.
• Legacy Planning: Update your estate plan and financial affairs.

Planning Tip: Review your investment strategy to match changing expenses and consider long-term care options.

3. The No-Go Years: Rest & Reflection

(Early-80s & Beyond)
This stage prioritizes health, comfort, and family. Travel decreases, and financial management should be simplified.

Key Considerations:

• Long-Term Care: Plan for in-home care or assisted living.
• Financial Management: Automate finances and consider a power of attorney.
• Emotional Well-Being: Stay socially engaged with loved ones.

Planning Tip: Ensure a smooth wealth transfer and focus on comfort and security.

Plan for Every Stage of Retirement

Understanding the Go-Go, Slow-Go, and No-Go years allows you to prepare for evolving financial and lifestyle needs.

At Intrepid Wealth Partners, we guide retirees through each stage with personalized financial strategies. Ready to plan your future? Contact us today to schedule a consultation.

Your best years are ahead—let’s make the most of them together!