A 40-year retirement is no longer hypothetical—it’s reshaping how financial plans need to work. Suzanne Porske and her Tax Partner Rachelle Harp explore why outdated assumptions can leave retirees exposed, and why flexibility, income strategy, and healthcare planning now matter more than any “magic number.” The conversation highlights hidden risks like long-term care gaps, inflation, and lack of organization, while also examining real-life scenarios families face when plans fall short. Plus, a closer look at Roth strategies reveals how simple tactics can carry complex tax consequences. It’s a practical discussion on building a strategy that adapts to longevity, market shifts, and life’s unexpected turns.