What if the biggest retirement risk isn’t running out of money, but running out of income? Steve Hoyl discusses the growing concerns around Social Security's future, why retirement planning is about more than reaching a million-dollar savings target, and the importance of building dependable income streams. He explains how income, growth, tax, healthcare, and estate strategies work together in a written retirement plan, and why having a roadmap for unexpected events can make all the difference. The conversation also explores retirement psychology, market uncertainty, and common mistakes that can derail long-term financial confidence.

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