What retirement decisions could become harder to change once the calendar flips? Gerry Ricken examines year-end planning considerations, including traditional versus Roth contributions, retirement spending needs, required minimum distributions, charitable giving, and tax planning. He also discusses why starting the planning conversation before retirement can help clarify income, investments, healthcare, legacy goals, and the lifestyle you want to build.

Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com.

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