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Your downloads

Keep these next to you while you watch

Print the worksheet before you start. Most viewers fill it in during the Pillar chapters and finish in about 20 minutes.

The masterclass slide deck

38 slides · 4.2 MB

Every chart, table and checklist from the replay, including the withdrawal-order flowchart on slide 19.

Download the slides (PDF)

Four Pillars income worksheet

Spreadsheet + printable version

Plug in your savings, benefits and spending to see your income floor and gap in one view.

Download the worksheet

Audio-only version

52 minutes · 48 MB

Listen on a walk or in the car. Same content as the video, with the slide numbers called out.

Download the audio (MP3)
Framework recap

The Four Pillars at a glance

The whole masterclass in one page. Each pillar answers one question every retiree needs settled before the paychecks stop.

The Income Floor

Cover essential bills (housing, food, insurance, utilities) with predictable income so markets only affect discretionary spending.

Key actionList essentials and subtract guaranteed income to find your floor gap.

Slides 6–12 · Chapter at 09:40

Withdrawal Order

Draw from taxable, tax-deferred and tax-free accounts in a sequence that smooths your bracket over decades, not one year.

Key actionMark your "gap years" before benefits begin for possible conversions.

Slides 13–21 · Chapter at 18:05

Benefit Timing

Compare claiming ages using break-even math, and factor in the survivor benefit if you're married.

Key actionPull your benefit estimate and run the age 62 / 67 / 70 comparison.

Slides 22–28 · Chapter at 27:30

Health & Longevity

Budget for healthcare costs in two bands (before and after 65) and hold a longevity reserve for a 95+ lifespan.

Key actionSet a reserve equal to 2–3 years of essential spending.

Slides 29–34 · Chapter at 36:15

Portrait of Graham Ashford, founder of Harborline Wealth Partners
A personal note

Thank you for spending an hour on your future.

Most people never sit down and do what you're doing right now. They hope the numbers work out and find out the hard way in their first bear market. Just watching this puts you ahead.

Here's my honest suggestion: watch the replay once all the way through, then fill in the worksheet. If you find a gap you can't close on your own, or you'd simply like a second set of eyes, that's exactly what the free Retirement Review is for. No pressure, no product pitch, and you'll keep the written summary either way.

Graham Ashford

Founder & Lead Retirement Planner, Harborline Wealth Partners