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The Boston Globe

Business

Finance

Retiring soon? Do the math

Specialists say you’ll need a realistic plan to make your savings last 30 years

As retirement nears, the financial gears start shifting. Rather than simply accumulating money to fund your retirement, you’ll soon be spending it.

The transition can be “pretty scary,” said Beth Gamel, a fee-only planner with Pillar Financial Advisors in Waltham. Not only do most people have to replace their regular paychecks with savings, they need to stretch those dollars over a retirement that may last 30 years or more.

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