Powering Your Retirement

A couple, both 61, sat down for their "final stretch" review.

Paid-off house, with a solid pension and a 401(k) that looked healthy on paper.

By every account, they'd done everything right.

Their advisor asked a question: "Do either of you know what happens to this income in year 25?"

(Generally bad advisor for having only asked the question now.)

Neither of them had an answer.

They'd never run the numbers past year 10 or 15.

Inflation at 3% a year meant their $8,000 a month today could need to be closer to $19,000 a month by their 90s, just to keep their same lifestyle.

Healthcare costs are climbing, property taxes climbing, a pension that pays the same dollar amount whether it's 2026 or 2056.

They were behind because "we think we're fine" had never actually been tested.

The new Super Catch-Up rules letting workers 60-63 contribute more.

Congress is handing out one more shot to fix a plan nobody stress-tested yet.

Read more here 👉

The Super Catch-Up Isn’t a Gift — It’s a Warning Millions of Americans are running out of time. The retirement contribution limits were raised by Congress because of it.

Too many PG&E employees assume this in their late 50's...

That their 401(k) is completely locked up until 59½.

That assumption alone keeps a lot of people at jobs they're ready to leave.

There's actually an IRS provision (the age-55 rule) that may allow penalty-free withdrawals from your employer's plan the moment you separate from service.

But one of the most common moves people make right after retiring can quietly eliminate that access entirely....And, it's usually irreversible.

Know your options so the timing of your retirement is your decision.

If you're a PG&E employee in your 50s thinking about when to pull the trigger, go ahead and read this one here 👉

The Retirement Rule Many PG&E Employees Don’t Learn About Until It’s Too Late The age-55 rule offers retirement flexibility, but confusion about it can delay retirement or lead to some rather costly errors. In your late 50s, priorities tend to shift.

Your estate plan isn't "complete" just because you signed the documents.

Most people finish theirs and breathe a sigh of relief—they can finally check the box.

For a while, just that is fine.

But life doesn't stay the same, and your plan probably hasn't kept up with it.

New kids, a move, more wealth, a divorce, a retirement on the horizon.

Each one of those moments quietly changes what your estate plan is supposed to do.

If the documents don't reflect that, they'll still speak for you when it matters most...

Just not the way you intend them to.

The good news: updating your plan is a lot simpler than building it from scratch.

Think of it less like starting over and more like remodeling a couple of rooms so the house fits your life today.

We wrote this one specifically for PG&E employees and retirees, but if you've got an estate plan sitting in a folder somewhere—it's worth a quick read.

Check it out here 👉

Your Estate Plan Isn’t Set in Stone: When and How to Update It The Plan You Made Years Ago Might Not Fit Your Life Today Most people feel a sense of relief after finishing their estate plan. This is especially true for PG&E employees and retirees, who often spend years focused on their career and pension—only to realize their estate plan hasn't kept pace.