Core Insights - A couple with $2.5 million in savings and $40,000 in annual Social Security benefits can likely support a $100,000 lifestyle in retirement [1] - Strategic planning is essential for couples retiring simultaneously, particularly regarding health insurance and Social Security benefits [2][3] Retirement Timing and Health Insurance - Couples retiring before age 65 may face high private healthcare costs, making employer-sponsored healthcare valuable [2] - At age 67, eligibility for Medicare reduces the necessity for employer-sponsored healthcare [2] Social Security Strategy - It is advisable for the higher earner in a couple to defer Social Security benefits until age 70 to maximize income [3] - Deferring Social Security can create opportunities for Roth IRA conversions during low-income years post-retirement [3] Income Generation in Retirement - To achieve a $100,000 annual income, a conservative withdrawal rate of 4% is recommended, alongside investment diversification and careful budgeting [5] - With $2.5 million in savings and $40,000 from Social Security, the couple needs to generate an additional $60,000 annually, which is feasible with a well-structured portfolio [5]

Group 1 - The Trade Desk (NASDAQ: TTD) was downgraded to a "hold" due to stretched valuation and lack of margin of safety for investors [1] Group 2 - Amrita leads a boutique family office fund in Vancouver, focusing on sustainable, growth-driven companies to maximize shareholder equity [2] - The fund aims to break down financial jargon and complex macroeconomic concepts for better financial literacy [2]