What if the biggest retirement risks aren’t market crashes—but the myths you’ve believed for years? Gary Garner and Vicki Miller unpack common misunderstandings around Social Security, Medicare, healthcare costs, and long-term care, using real client conversations and everyday examples. The discussion explores why Social Security alone often falls short, how healthcare expenses shape retirement decisions, and why planning before a crisis matters. It’s a grounded conversation about money fears, aging, and the realities families face when retirement meets real life.

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