At what age should you get a financial advisor?

Many people delay getting financial help, thinking they need to be wealthy or close to retirement before reaching out. But here’s the truth: working with a financial advisor is not just for the rich. It’s for anyone who wants to be intentional with their money. So the real question is: At what age should you get a financial advisor?

If you’re in your late 40s, 50s, or early 60s, you’re probably thinking more seriously about retirement. You’ve built a career, accumulated savings, and maybe even started envisioning what life could look like after work.

That’s exactly why now is the best time to get a financial advisor.

Many people wait until retirement is right around the corner—or already here—before seeking help. But the truth is, the years leading up to retirement are some of the most financially important of your life. Working with a financial advisor now can make the difference between simply retiring and retiring well.

Why your late 40s and 50s are the prime time for a financial advisor

By the time you reach your late 40s or early 50s, your financial life is more complex:

• You’re likely earning your peak income 
• You may have multiple retirement accounts (401(k), IRA, Roth IRA) 
• You could be juggling mortgage, kids’ college, and aging parents 
• Your savings need to shift from growth to protection and distribution
  

This is where a financial advisor becomes a true partner—not just in managing money, but in creating a plan for a secure and confident retirement.

At Guerra Wealth Advisors, we specialize in working with people just like you: successful, busy, and ready to make the most of what you’ve built.

The “Retirement Red Zone” — Why timing matters

The five to ten years before retirement are often referred to as the “Retirement Red Zone.” It’s the phase where decisions carry more weight and mistakes can be much more costly.

Here’s what’s typically happening in this stage:

• You’re trying to decide when you can retire 
• You’re wondering if you’ve saved enough 
• You’re thinking about how to turn your savings into income 
• You may be uncertain about Social Security, taxes, or healthcare costs
  

A financial advisor helps you map out all of this—so you don’t leave anything to chance.

Key ways a financial advisor helps in your late 40s to 60s:

• Retirement income planning: How much you can safely withdraw each year 
• Social Security timing: When to file to maximize benefits 
• Investment management: Reducing risk while still aiming for growth 
• Tax efficiency: Keeping more of your money in retirement 
• Healthcare and Medicare strategy: Planning for rising costs 
• Legacy and estate planning: Making sure your wishes are honored
  

If these questions are keeping you up at night, you don’t have to figure it out alone. Guerra Wealth Advisors can build a retirement plan that makes sense for your life.

What if you’re already in your 60s or retired?

It’s not too late.

Even if you’re already drawing Social Security or have exited the workforce, a financial advisor can still add real value.

Here’s how we help retirees:

• Fine-tuning your income and investment strategy 
• Making sure your money lasts as long as you do 
• Adjusting your plan as markets, laws, and life circumstances change 
• Simplifying your finances so you can focus on living

Common fears we hear from people in your shoes

If you’re in your 50s or 60s and haven’t worked with a financial advisor before, you’re not alone. Some of the most common concerns we hear include:

• “Is it too late to start?” 
• “I don’t know if I’ve saved enough.” 
• “What if I can’t afford to retire?” 
• “I don’t want to run out of money.”
  

These are all valid fears, but they’re also exactly why it’s worth having a professional in your corner.

We’ve helped hundreds of families navigate this same transition. And we’d love to help you, too.

What working with Guerra Wealth Advisors looks like

We take a personal, proactive approach to financial planning. Our three-phase process helps you get clarity and confidence:

1. Discovery – We learn about your goals, concerns, and current financial picture 
2. Execution – We build a custom strategy designed to help you retire with confidence 
3. Freedom – We walk with you long-term, adapting your plan as life changes
   

You’ll never feel like just a number with us. We’re here to simplify, educate, and support you every step of the way.

If you’re within 10 to 15 years of retirement, now is the perfect time to connect with an advisor here at Guerra Wealth Advisors.

So, at what age should you get a financial advisor?

For most people, the ideal time is your late 40s through early 60s. Why?

Because that’s when:

• You’re earning more than ever 
• You still have time to make impactful changes 
• You’re approaching the retirement decision 
• You’re ready for more intentional planning
  

Whether you’re trying to decide when to retire, how much you’ll need, or how to draw income without running out—this is the stage when financial guidance can truly transform your future.

Take the next step with Guerra Wealth Advisors

You’ve worked hard to get here. Now it’s time to make sure that effort turns into a retirement you can enjoy.

Book your free retirement planning consultation with a fiduciary Wealth Advisor today. We’ll answer your questions, provide clear direction, and build a plan that fits your life.

Don’t wait until retirement is here to start planning. The best time is now.