Retirement planning has seen significant changes over the past 20 years due to shifts in the economy, demographics, technology, and regulations. The conversation covers topics such as the transition from defined benefit plans to 401(k)s, the importance of Social Security and Medicare, the need for increased revenue and reduced debt, the benefits of Roth 401(k)s and health savings accounts (HSAs), and the impact of financial technology (fintech) on the industry. Call 800-975-6717. Visit Silver Leaf Financial to learn more.