If you’re like many retirees or soon-to-be retirees, you’ve probably dreamed of using your newfound freedom to travel—whether that’s relaxing on a beach, visiting national parks, or checking off a few international destinations from your bucket list.

But how do you turn that dream into something sustainable and smart? That’s where retirement travel planning comes in.

At PrairieView Wealth & Tax Advisors, we believe your retirement plan should be about more than just security—it should support a life of purpose, freedom, and, yes, adventure.

1. Short-Term Fun vs. Long-Term Goals

It’s easy to get swept up in the excitement of a trip. But before you start booking hotels and flights, it’s important to look at your broader financial picture.

We encourage clients to ask:

• Will this trip enhance my quality of life?
• Can I afford this without sacrificing future needs?
• How does this fit into my long-term goals?

Balancing today’s enjoyment with tomorrow’s stability is key. That’s why travel should be part of your comprehensive retirement plan—not something separate from it.

2. Build Travel into Your Retirement Budget

A spontaneous trip might feel freeing, but smart retirement travel planning starts with intention.

Here are a few ways to set a realistic travel budget:

• Set an annual “travel fund” that aligns with your retirement income and cash flow.
• Prioritize the experiences that matter most—like a family reunion over a luxury cruise.
• Consider travel timing; off-season trips can dramatically cut costs.

Whether you’re taking one big trip a year or several smaller ones, the goal is to build travel into your lifestyle on purpose, not on impulse.

3. Get Strategic with Rewards and Points

Want to make your travel dollars stretch further? Don’t overlook the power of credit card rewards, airline miles, and hotel points.

We often help clients:

• Choose the right travel-friendly credit card
• Maximize reward redemptions for flights and lodging
• Time purchases to earn sign-up bonuses and perks

These small moves can add up to big savings—and give you more flexibility to enjoy the travel you’ve earned.

4. Don’t Forget About Healthcare and Insurance

Before you take off, make sure your retirement travel planning includes your health.

Things to consider:

• Does your current insurance cover you while abroad?
• Do you need travel medical insurance for longer or international trips?
• What’s your plan in case of an emergency?

Peace of mind is part of the plan. We help clients navigate these details so they’re covered—wherever in the world they are.

5. PrairieView Can Help Align Your Travel Dreams with Your Financial Plan

Retirement is a season of life that should be lived fully. At PrairieView, we don’t just look at your investments—we look at how you want to live.

That includes:

• Understanding your lifestyle goals
• Integrating travel into your financial plan
• Managing cash flow and withdrawal strategies that support adventure
• Ensuring you’re protected, prepared, and financially confident
  

A Plan That Supports the Journey

Your dream vacation shouldn’t derail your financial future. With smart retirement travel planning, you can create meaningful experiences without financial stress.

Let’s build a plan that supports your next adventure—without compromising the road ahead. Schedule a conversation with PrairieView Wealth & Tax Advisors today!