What if your retirement plan is built more on hope than strategy? David Gagnon explains why many savers overlook future costs, taxes, and risks—and how that leads to costly blind spots. He compares retirement planning to building a home, emphasizing the need for a detailed blueprint, not guesswork. The conversation explores tax-efficient investing, income layering, and the hidden impact of withdrawals like “phantom income” that can trigger higher taxes and premiums. With a focus on flexibility, diversification, and stress-testing your plan, this episode highlights how thoughtful planning can help navigate uncertainty and avoid common financial missteps.

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