Is your retirement plan ready for the decisions that can change everything? Heidi Ricken Provost explores how choosing the right home, managing mortgage debt, preparing for market risk, and building a long-term tax strategy can shape retirement. She also tackles Roth conversions, Social Security timing, annuities, and why focusing only on today’s tax bill can miss the bigger picture. Plus, Heidi explains the “3 a.m. test” and why a thoughtful retirement strategy should address the financial questions that keep you up at night.

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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