A marathon photo finish becomes a powerful retirement metaphor in this episode. This discussion with Gerry Ricken challenges the idea that it’s ever “too late” to improve your financial plan and explains why retirement success isn’t about hitting a magic number. From income planning and healthcare costs to Social Security timing and personalization, the conversation reinforces that retirement is a long game—one shaped by consistency, flexibility, and purpose.

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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