Can $1 Million, Two Pensions, and Three Homes Support Early Retirement at 61?

A 61-year-old couple with $1 million saved, two lifetime pensions (about $14,000 a month) and three homes weighs whether they can retire early. With mortgages still decades from payoff, selling one property could unlock extra equity, but retirement feasibility hinges on current expenses, health costs until 65, taxes on withdrawals, and survivorship decisions. Market-win advisers say a fiduciary financial planner can help model timelines, optimize Social Security and Medicare, and craft a withdrawal plan to determine if retirement next year is realistic.