What really determines whether your retirement plan holds up, or quietly falls apart? In this episode of Freedom to Retire, Jim Cipriotti breaks down the core elements that shape life after work, starting with how to think about retirement expenses before they sneak up on you. He walks through why a personalized financial plan matters, how long-term care fits into the bigger picture, and where taxes can erode savings if they’re ignored. Jim also explains strategies around maximizing retirement accounts, including how Roth conversions and after‑tax contributions can change the tax conversation later in life. The focus stays practical and grounded, helping listeners better understand how planning decisions made today can influence income, flexibility, and confidence in retirement.

Tune in every Saturday at 9 AM & 5 PM and Sunday at 6:00 & 9:00 AM ET on WPHT. Powered by Retire Ready Financial Group.

For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.