When retirement planning meets real life, the details matter more than ever. On this episode of Kickin’ with the Rickens, Heidi Ricken Provost breaks down the often-overlooked differences between investment planning and tax planning—and why ignoring either can quietly erode your retirement. From managing market risk to structuring tax-diversified income, the conversation explores how smarter coordination can shape both retirement security and legacy. You’ll also hear timely insights on education funding strategies, evolving tax opportunities, and why understanding risk across all accounts matters long before retirement begins.

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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