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💡 See If You’re On Track for Retirement: Take the SMART Retirement Assessment → https://twowaterswealth.scoreapp.com/ If you’re retiring in 2026, the final year before you leave work is all about transition—not accumulation. In this video, I cover the seven critical steps that separate a smooth retirement from a stressful one, including testing your retirement budget now, mapping out exact income dates and sources, restructuring your investments, and locking in your health insurance strategy. These aren’t tips you can postpone—getting them right now protects your finances and your peace of mind in the years ahead. You’ll also learn how to capture last-minute tax opportunities, clean up your balance sheet, and prepare for the non-financial side of retirement, from identity shifts to managing unstructured time. By handling these seven key areas before your last day of work, you can retire with confidence, knowing your money, health, and lifestyle are set up for success in 2026 and beyond. 1:38 – Step 1 3:43 – Step 2 4:45 – Step 3 7:31 – Step 4 8:14 – Step 5 10:01 – Step 6 10:51 – Step 7