The Power of a 10% Shift: Retiring Earlier or Retiring Wealthier?

As I’ve worked with clients over the years, I sometimes worry that too many underestimate the power they have to influence their own future. Every practitioner has the ability to increase their level of freedom, improve their retirement outlook, or grow the size of their nest egg—all of which directly impact how much they truly enjoy what they do.

Without a light at the end of the tunnel or a plan to even see that light, the day-to-day grind can become a source of stress. But what if I told you that a simple 10% shift—whether through reducing overhead or increasing collections—could fundamentally change your financial future?

The Power of a 10% Increase in Profit

Let’s say you made a 10% improvement in your practice’s profitability. For a business collecting $2 million annually, that’s an extra $200,000 per year in cash flow. Now, what if instead of spending it, you invested that money wisely each year at a modest 8% return?

In 10 years, that one strategic change could add up to an extra $3.1 million in your retirement savings.

Your Future, Your Choice

The question is: if you had the ability to retire earlier or retire with a larger nest egg, which would you choose?

• Would you prefer to step away from your practice sooner, with the security that your investments can support your lifestyle?

• Or would you rather continue working at your ideal pace, knowing you’re building an even more substantial financial cushion for the future?

Some might call this a deluxe problem—but for many, it’s a decision they don’t even think they have the power to make. I’m here to tell you that it’s possible for anyone who has the hunger to make it happen.

How Do You Get There?

The key is having the right strategies in place to maximize profitability and optimize your financial trajectory. These are the types of strategies I work on with clients to help them achieve their goals. It’s not about luck or guessing—it’s about knowing the right moves and executing them consistently.

If you want to retire earlier or build a multi-million-dollar nest egg, but aren’t sure where to start, that’s exactly why you bring in advisors like me. I help my clients get there faster and with greater certainty.

So in the end, which would you choose—retire earlier or retire wealthier?