Meet Henry Wellington: Your Retirement Planning Guide

I am Henry Wellington, and I spent 28 years as a financial planner before building RetirementReady as the resource I always wished I could hand to every client who walked in my door.

Over nearly three decades of advising clients through retirement transitions, I watched the same questions arise, the same mistakes get made, and the same opportunities get missed, often not for lack of intelligence but for lack of the right information at the right time. Most people do not know what they do not know about retirement planning, and the financial services industry has mixed incentives when it comes to educating them.

My approach here is independent. I do not sell products or manage money. I write about retirement planning with the goal of giving you the foundation to understand your options, ask better questions, and make decisions you are confident in.

I focus on the decisions with the biggest financial impact: Social Security timing, Roth conversion strategy, Medicare enrollment, portfolio withdrawal sequencing, and long-term care planning. Done well, these decisions are worth hundreds of thousands of dollars over a retirement. Done poorly, the consequences are difficult to reverse.

I am glad you found this site. Start with the guides that address your most urgent questions, and do not hesitate to use the comment sections.