Find Out If You Can Retire Early
For individuals and couples who want a clear, tax-efficient strategy for early retirement.
Most high earners assume consistent 401(k) contributions will get them there.
For many, it won’t.
Our personalized early retirement Analysis shows you exactly where you stand, and what it would take to retire a decade earlier than most.
Fiduciary Advice | Growth Strategies | Planning + AUM Options
Most 401(k) Investors Retire 10+ Years Later Than They Planned
You’re doing what you were told:
- Contributing to your company 401(k)
- Saving consistently
- Possibly working with a traditional advisor
Yet most professionals still retire closer to 65–67.
Early retirement requires:
- Coordinated tax planning
- Strategic investment structure
- Withdrawal sequencing
- Income design before Social Security
Because contribution alone isn’t a strategy
What It Actually Takes to Retire Early
Things have changed.
Housing, healthcare, inflation, and lifestyle costs have increased significantly over the last decade. For many couples, retiring comfortably often requires:
$2M–$3M+ in invested assets across your portfolio
A tax-diversified withdrawal strategy
A bridge income plan before they reach age 59½
If you don’t know your number, you’re guessing. Guessing can cost years.
Your Personalized Early Retirement Analysis
In your assessment and roadmap session, we will show you:
Your projected retirement age if nothing changes
Estimated income available at 55
Your retirement gap (if one exists)
Hidden tax drag affecting your long-term outcome
Adjustments that could accelerate your timeline
This is not generic advice. This is a structured review tailored to your situation.
This Is Designed For:
- Working Professionals who aren’t retired yet
- Individuals or couples with $100k+ invested
- Those currently using a 401(k), traditional advisor, or DIY strategy
- People serious about retiring early, not just thinking about it
If you are simply gathering information and not open to implementing a strategy, this may not be the right fit.
About Confluent Asset Management
We are fiduciares
At Confluent Asset Management, we help working professionals build coordinated, tax-efficient strategies designed to accelerate retirement timelines. We do this all while acting as fiduciaries, meaning your best interests always come first.
Additionally, every recommendation we make is guided by transparency, integrity, and your long-term financial goals.
We offer:
- Comprehensive retirement planning focused on early retirement
- Investment management with a fiduciary-first approach
- Planning-only options when AUM services aren’t needed
With Confluent, you’re not just getting advice, you’re getting a partner committed to your success and financial independence.
Trusted By Professionals
Confluent Asset Management made our retirement planning easy and stress-free. Yogesh Prasad and his team created a solid income plan and took great care of our assets. We trust them completely and recommend their services to anyone planning for retirement.
Ready to See If You’re On Track for Early Retirement?
1. Complete the Early Retirement Scorecard
2. Schedule your personalized Roadmap Session
3. Determine what plan adjustments may be required.
Frequently Asked Questions
Is this a sales call?
No. It’s a structured planning session. If implementation support makes sense, we’ll discuss options.
Do I need to live in Phoenix?
No. We work with clients virtually, nationwide. We offer an in-person option for Phoenix-area clients.
Is there a cost to book a meeting?
There is no cost for the initial Roadmap Session.
What if I already have an advisor?
Many clients came to us while working with a traditional firm and wanted a second opinion focused on early retirement.