When is “too late” to start thinking about retirement—and when is the right moment to make meaningful changes? Gary Gardner and Vicki Miller dig into why the years leading up to retirement matter more than most people realize. From timing your first advisor conversation to managing income, taxes, market risk, and medical costs, this episode explores the moving parts that shape retirement long before the finish line appears. The discussion also tackles common fears around guaranteed income, market volatility, and the misunderstood role of annuities in creating long-term financial stability.

Retire Your Way TODAY!