Retire On Purpose
A framework for building retirement income while leaving a legacy.
Bring income, taxes, investments, protection, and legacy planning together around the life you want to live.
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WHO IT’S FOR
This book is for you if…
You’re within 15 years of retirement and want a clear roadmap, not another pile of generic advice.
You’ve saved a decent amount, but you’re not sure how to turn it into income that lasts.
You’re already retired and want to tighten up taxes, income, or healthcare costs.
AND WHO IT ISN’T
This isn’t a book of stock tips, and it isn’t a get-rich-quick plan.
It’s a practical, step-by-step guide built from the situations Quincy sees every week, for people who want their money to fund a purpose, not just a portfolio.
FROM THE INTRODUCTION
“Retiring on purpose means living intentionally.”
After years of helping families plan for retirement, Quincy noticed that the happiest retirees weren’t simply the wealthiest ones. Retirement satisfaction has five dimensions: money, health, community, growth, and purpose, stacked like a pyramid of needs.
Money forms the foundation. This book is about building that foundation well, using the Retire on Purpose Framework, so you can spend your energy on everything it’s meant to support.
What you’ll learn
Alongside the core framework: maximizing Social Security, building a reliable income plan, managing healthcare costs, and protecting your legacy.
01
The six retirement risks, and how to overcome them
Market, tax, longevity, liquidity, inflation, and mortality: understand the risks that quietly undo good savers, so you can plan around them instead of hoping they miss you.
02
How to protect your income from market ups and downs
Strategies to safeguard your retirement savings against volatility, so a bad year for the market doesn’t become a bad decade for your paycheck.
03
How to legally pay less tax on your retirement income
Withdrawal order, bracket management, and Roth timing: the planning moves that minimize your lifetime tax burden and keep more of what you saved.
04
How to reposition your assets to support your purpose
Align your investment strategy with your goals and values, so the plan funds the life you actually want to live and the legacy you want to leave.
How the book is organized
PART ONE
The New Retirement Landscape
What has changed about retirement and what those changes mean for how you plan.
PART TWO
The five planning areas
Income, taxes, investments, protection, and legacy: what each decision affects, and in what order to make them.
PART THREE
Your roadmap
How to turn the framework into your own written plan, on your own or with an advisor.
BOOK BONUSES
Tools to use alongside the book
Three workbook excerpts and a webinar to help you put what you read into practice.
Five-Pillar Readiness Scorecard
Check where you stand across income, tax, investments, protection, and legacy, and see which areas you may want to revisit.
Retirement Income Gap Worksheet
List your expected spending and sources of retirement income, then identify any gap you’ll need to plan for.
TaxFlow Retirement Tax Checklist
Use guided prompts to identify tax-planning decisions and questions to discuss with your tax professional.
OBBBA and Your Retirement Tax Plan
A webinar on retirement tax-planning questions to consider under the One Big Beautiful Bill Act.
ABOUT THE AUTHOR
Quincy Baynes
Quincy is a fiduciary financial planner, founder of Baynes Financial, and U.S. Marine Corps veteran. He holds a Master of Science in Financial Planning (MSFP).
He wrote Retire On Purpose for the families he meets every week: diligent savers with accounts, policies, and good intentions, but no single plan that ties them together.
The book walks you through the same Retire On Purpose Framework Quincy uses with his clients. You’ll see how income, taxes, investments, protection, and legacy planning fit together in one coordinated retirement plan.
Meet Quincy →Get your copy of Retire On Purpose
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