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When will you retire? Many people set a specific target date and diligently plan for that. But despite your best efforts to plan, circumstances beyond your control can change. A surprisingly high percentage of people are forced to retire earlier, and often much earlier, than they planned. Jennifer Schoonmaker-Dasch, a Financial Advisor with Edward Jones, suggests an alternative approach. Instead of a specific date, plan instead for a range of dates to retire. This helps you keep your options open and retain some flexibility-  and prepare your Plan B if life throws you curveballs.

Jennifer Schoonmaker-Dasch joins us from North Carolina.

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Bio - Jennifer Schoonmaker-Dasch
Helping clients build and manage their entire financial picture is a true privilege that Jennifer Schoonmaker-Dasch takes very seriously. She listens closely to their stories, learns about their lives and gains an understanding of their definition of financial success. She helps clients make informed, financially sound decisions so they can live their lives with confidence. Together, she can help clients protect their financial future and the futures of those they care for the most. She focuses on supporting clients during life transitions, such as changing jobs, selling a business, entering retirement, receiving an inheritance or losing a spouse/partner.  She can also help clients plan for the unexpected, like the need for long-term care.

Jennifer is registered and licensed in multiple states and serves clients throughout the country.  She joined Edward Jones in 2005 and earned the AAMS™ designation and CFP® certification to better serve her clients. She has been named among the top financial advisors with Forbes Best-in-State Wealth Advisors ranking 2022-2023 and Forbes Top Women Wealth Advisors Best-in-State 2022-2023.

Jennifer graduated from Roanoke College. Outside of the office, she enjoys spending family time with my husband, Keith, and their two children, Caroline and James. They love traveling, board games, Netflix and cuddling on the couch with our four rescue dogs.

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For More on Jennifer Schoonmaker-Dasch

Website and Contacr Details

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Podcast Episodes You May Like

Independence Day – Steve Lopez

The Emotional Side of Retiring – Kate Schroeder

The Vintage Years – Dr. Francine Toder

An Economist’s Take on Retirement Planning – Larry Kotlikoff

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Wise Quotes

On An Alternative to a Retirement Date 

"More and more I'm having a discussion about a range of retirement, so ideally I'd like to retire between 58 and 62 or 60 and 65. And so that range I think becomes important because maybe we get to 60, but we want to keep going. Things look good, let's go a couple more years. Great. That gives us more options in retirement that makes the dreams and the wishes become bigger. Or I'll have people where it's like we're inch away from going over that finish line because the stress and anxiety of the job is just about all we can bear. And knowing that for each client, that's really the job of the Financial Advisor. It's so important to remain flexible in environment. There's lots of different levers you can pull. When to take Social Security, which account to withdraw from, how much risk we're willing to take in the investment portfolio, working one more year -  these types of things. But when you're fully retired, some of those you can't go back and undo at 70. We can't save more in our thirties. Right? So it's got to prepare for those things beforehand."

On Working Longer

"I think more and more I'd love to see clients - and I'd love to see more Financial Advisors - having the discussion of easing into retirement.