Go‑Go, Slow‑Go & No‑Go Years: Planning Retirement Phases | Caleb Don on WANE 15 – Livin’ Local

Caleb outlines how planning for different phases in retirement can make your financial plan more dynamic. Retirement isn’t one long, predictable stretch — it happens in phases. In this Women’s Wealth Wednesday segment, Caleb Don of Foster Financial explains the three major stages of retirement spending: the active Go‑Go Years, the more moderate Slow‑Go Years, and the lower‑spending No‑Go Years. Each phase comes with different lifestyle patterns, travel habits, health considerations, and financial needs. Caleb breaks down how to plan withdrawals, adjust budgets, and build a retirement strategy that supports bucket‑list goals early on while still protecting long‑term stability. Topics covered include: What the Go‑Go, Slow‑Go, and No‑Go Years are and how they shape retirement spending Why Go‑Go Years often cost the most including travel and bucket‑list items How Slow‑Go Years shift spending toward local travel and downsizing Planning for No‑Go Years including long‑term care considerations Building phased withdrawal strategies instead of using a flat 4% rule Managing unknowns early in retirement like market performance, health, and one‑time expenses How to budget for travel goals such as Alaska trips or international travel Supporting family or grandchildren as an alternative to travel spending Preparing for long‑term care needs in later retirement phases (To learn more or schedule a complimentary consultation, contact Foster Financial today. Call us at 260‑234‑2200 or visit www.fosterfinancial.net) Securities and Advisory Services offered through Harbour Investments Inc. The views and material presented are intended to provide background assistance and education only and is not intended to be tax or investment advice. Please consult a professional on your situation. Investments involve risks, including possible loss of principal. Past performance doesn’t guarantee future results. Guarantees are based on the claims paying ability of the insurance company. Heather Foster is advisory licensed in AZ, CA, CO, FL, GA, IA, IL, IN, KS, KY, MA, MI, MO, MN, NC, NY, OH, PA, SC, TN, TX, WA, WI. John Pynchon is advisory licensed in FL, GA, IA, IN, MA, MI, MN, NC, NY, OH, PA, SC, TX, WI. Caleb Doane advisory licensed in AL, CA, CO, FL, GA, IA, IN, MI, MN, NC, OH, PA, SC, TX, WI. John Pynchon is securities licensed in AZ, IA, IN, MI, MN, NC. Caleb Doane securities licensed in IN, MI, NY, OH, PA, TX