In this episode of Advisors on Call, Greg Ramirez emphasizes that saving money until age 65 or 67 is just the foundation of a retirement plan, and that it's crucial to make adjustments as life throws curveballs. Greg shares his own experience of changing his recommendations over the years due to market evolution and discusses the need to consider factors like inflation, longevity, and healthcare costs. He also talks about the benefits of diversifying investments and the importance of having a fiduciary advisor.