Publishing October 15, 2026
A Retirement Survival Story
Most retirement books are written for the climb — the saving, the accumulation. Halfway Home prepares you for the descent. The years when the paychecks stop and you must protect assets while funding your life. A 12-step framework for navigating decumulation with confidence, clarity, and a plan built to last.
About the Book
You made it. Decades of discipline, saving, investing, and believing that reaching retirement was the goal. Now you are standing at the top of the mountain — and realizing nobody told you about the descent.
Since Congress created the 401(k), the financial industry has built tools and careers around getting you to this pinnacle. Getting you safely down is another matter entirely. The descent — the years when the paychecks stop and you must protect assets while funding your life — is where most retirement plans quietly fall apart. Not dramatically. Not all at once. Just slowly, through routine decisions made without the right map.
Halfway Home is that map. Written for readers aged 55 and older with $1 million or more saved, Tom Penland walks you through the twelve decisions that determine whether your money outlasts you — or you outlast your money.
"Retirement — It's Your Journey. May You Choose Your Path Well."
— Tom Penland, RICP®