For many of our clients, turning 50 represents more than just a birthday—it’s a moment of clarity. Kids are grown, careers are more stable, and life priorities begin to shift. And sometimes, that shift leads to a new zip code.
Whether you’re downsizing, relocating to be closer to family, or pursuing a long-held dream, a move at this stage of life can be both exciting and complex. At Keel Financial, we help clients think through the full picture—financially and emotionally—so that decisions made today support the life they want tomorrow.
Why People Move at 50—And Why It Matters
By age 50, you’ve likely built equity, established roots, and made countless decisions to support your family and your future. Now may be the time to ask: What’s next?
We see clients move for a number of reasons:
- To simplify: A smaller home or lower-maintenance lifestyle can free up both time and resources.
- To be closer to loved ones: Whether it’s grandkids or aging parents, proximity matters.
- To reprioritize: A shift in health, values, or career can make a different location more appealing.
- To pursue a dream: That mountain town, coastal retreat, or quieter neighborhood may finally make sense.
How a Move Impacts Your Financial Plan
Moving is more than a logistical exercise—it’s a financial decision with long-term implications. Here are a few key areas we help clients evaluate:
- Cost of living and taxes: What’s the true cost of where you’re going? Income tax, property tax, and healthcare expenses can vary significantly by state.
- Real estate strategy: We help you think beyond just selling and buying—we look at timing, cash flow, and whether it makes sense to rent, own, or invest.
- Retirement and liquidity planning: A move can accelerate—or delay—retirement goals. We’ll model out different scenarios so you’re confident in your choices.
- Estate and insurance alignment: Your estate plan should reflect your new home, state laws, and evolving family dynamics. We’ll work alongside your estate attorneys to help make sure everything is working together.
The Keel Approach
At Keel Financial, we don’t make assumptions about what this next chapter “should” look like. We take the time to listen, learn what matters most to you, and seek to build a plan that reflects your values.
Moving at 50 isn’t just about a new place—it’s about setting a thoughtful course for the years ahead. We seek to provide the financial clarity and confidence to help you move forward with purpose.
Considering a move? Let’s talk through it.
Visit keelfinancial.com/connect-with-keel/ to schedule a conversation with our advisory team.
Disclosures
Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual.
