Title of Document
Prepared for: Client Name
Prepared by: Dr Babara Walker-Green
Financial Comparison: Immediate Move vs 5-Year Delay
Immediate Sale (Age 59)
Lose $140K salary immediately
$3,000-5,000 monthly shortfall
College crisis during lowest income
5-Year Delay (Age 63/64)
Keep salary through college years
$840,856 better financial position
Strong retirement foundation
Immediate Sale Impact
Total financial disadvantage
Lost Salary
5 years of earnings
Lost 401k Growth
Additional retirement savings
Home Appreciation
Additional equity in 5 years
| Age | IMMEDIATE SALE SCENARIO | 5-YEAR DELAY SCENARIO | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Income | Total Expenses | Monthly Flow | Annual Flow | Cumulative | Status | Total Income | Total Expenses | Monthly Flow | Annual Flow | Cumulative | Status | |
Key Insights from Comparison:
- Financial Impact: Waiting 5 years results in $840,856 better financial position
- College Timing: 5-year delay allows paying college costs from salary instead of savings
- Retirement Security: Delay scenario provides strong 401k and preserved home proceeds
- Risk Management: Immediate sale creates sustained financial crisis; delay creates smooth transition
- Richmond Housing: Rent increases make Richmond more expensive than current home after age 65
- Bottom Line: The 5-year delay transforms a high-risk financial crisis into a well-funded retirement transition
Advisory services offered through TLG Advisors, Inc. 475 Springfield Ave., Summit, NJ 07901. 888-371-0013, an Investment Adviser registered with the U.S. Securities & Exchange Commission. Insurance and insurance related products offered by Advanced Wealth and Retirement Planning Concepts, LLC. TLG Advisors, Inc and Advanced Wealth and Retirement Planning Concepts, LLC are not affiliated companies.