What to Do & When, in the Decade Before Work Becomes Optional The ten years before work becomes optional are full of big money decisions. This talk lays out what to focus on and when: building the base 10 to 7 years out, shaping your mix of pre-tax, Roth, and taxable savings and how much market risk fits as the date gets closer, turning savings into a paycheck in the last few years, and the final-year checklist. Leave with a one-page decade map, marked with where you are today. This talk is intended for people who are still working, specifically those aged roughly 45 to 60. Please bring a writing utensil. Anthony "Tony" Corsino, CFP®, ChFC®, CRPC®, is the Principal of Zen Financial Planning, a registered investment adviser in York, Maine. He manages portfolios for individuals, families and business owners across New England, and teaches in CFP® certification programs at Boston University and through Greene Consulting, which partners with universities across the country, including UNH, the University of Georgia and James Madison University.