What if the biggest retirement mistakes happen in the final stretch before you stop working? In this episode, Pat Schultz shares some of the most common pitfalls he sees in the five years leading up to retirement. From taking too much investment risk and waiting too long to plan, to overlooking tax diversification and spending strategies, Pat explains why small decisions can have a lasting impact. He also discusses the challenge of shifting from saving to spending and why many retirees underestimate how much flexibility their nest egg may provide. The takeaway: retirement planning isn't just about growing your money; it's about making thoughtful decisions before retirement arrives.

For specialized guidance on a tax-smart retirement, visit Harriman Hall Wealth to schedule a complimentary, no-obligation consultation with Pat and his team today. Call 585-348-0982 Monday through Friday or email them: team@harrimanhallwealth.com

Find us on Facebook or LinkedIn.

What if the biggest retirement mistakes happen in the final stretch before you stop working? In this episode, Pat Schultz shares some of the most common pitfalls he sees in the five years leading up to retirement. From taking too much investment risk and waiting too long to plan, to overlooking tax diversification and spending strategies, Pat explains why small decisions can have a lasting impact. He also discusses the challenge of shifting from saving to spending and why many retirees underestimate how much flexibility their nest egg may provide. The takeaway: retirement planning isn't just about growing your money; it's about making thoughtful decisions before retirement arrives.
For specialized guidance on a tax-smart retirement, visit&nbsp;<a href="https://www.harrimanhallwealth.com/">Harriman Hall Wealth</a> to schedule a complimentary, no-obligation consultation with Pat and his team today. Call <a href="tel:5853480982">585-348-0982</a> Monday through Friday or email them: <a href="mailto:team@harrimanhallwealth.com">team@harrimanhallwealth.com</a>
Find us on <a href="https://www.facebook.com/people/Harriman-Hall-Wealth/61580497082518/">Facebook</a> or <a href="https://www.linkedin.com/in/pat-schultz-cfp%C2%AE-cima%C2%AE-48017073/">LinkedIn</a>.

Are you ready to build for your future? Before you do, you’ll want to make sure you have the right tools for the job. That’s where “The Retirement Project” can help.

With "The Retirement Project: Clear Conversations for a Tax-Smart Retirement," host and financial advisor Pat Schultz goes over the topics of the day relevant to your retirement, laying out the blueprint for your ideal plan. Covering market developments, financial analysis, and lighthearted looks at how to best craft a retirement, “The Retirement Project” is the podcast you can’t afford to miss.

Are you ready to build for your future? Before you do, you&rsquo;ll want to make sure you have the right tools for the job. That&rsquo;s where &ldquo;The Retirement Project&rdquo; can help.
With "The Retirement Project: Clear Conversations for a Tax-Smart Retirement," host and financial advisor Pat Schultz goes over the topics of the day relevant to your retirement, laying out the blueprint for your ideal plan. Covering market developments, financial analysis, and lighthearted looks at how to best craft a retirement, &ldquo;The Retirement Project&rdquo; is the podcast you can&rsquo;t afford to miss.

The Retirement Project

Are You Making These Retirement Mistakes Without Realizing It?

Does achieving the American Dream really require $5 million, or is the real challenge planning for the costs no one wants to talk about? In this episode of The Retirement Project, Pat Schultz explores a headline-grabbing study that puts a multimillion-dollar price tag on the American Dream and unpacks what those numbers actually mean. The conversation focuses on two priorities Americans consistently rank at the top: a comfortable retirement and access to quality healthcare. Pat explains how healthcare costs, long-term care planning, taxes, and longevity can all impact retirement, and why personalized planning matters more than any headline figure. If you're wondering whether your retirement plan is prepared for the future, this episode offers valuable perspective.

For specialized guidance on a tax-smart retirement, visit Harriman Hall Wealth to schedule a complimentary, no-obligation consultation with Pat and his team today. Call 585-348-0982 Monday through Friday or email them: team@harrimanhallwealth.com

Find us on Facebook or LinkedIn.

Does achieving the American Dream really require $5 million, or is the real challenge planning for the costs no one wants to talk about? In this episode of The Retirement Project, Pat Schultz explores a headline-grabbing study that puts a multimillion-dollar price tag on the American Dream and unpacks what those numbers actually mean. The conversation focuses on two priorities Americans consistently rank at the top: a comfortable retirement and access to quality healthcare. Pat explains how healthcare costs, long-term care planning, taxes, and longevity can all impact retirement, and why personalized planning matters more than any headline figure. If you're wondering whether your retirement plan is prepared for the future, this episode offers valuable perspective.
For specialized guidance on a tax-smart retirement, visit&nbsp;<a href="https://www.harrimanhallwealth.com/">Harriman Hall Wealth</a> to schedule a complimentary, no-obligation consultation with Pat and his team today. Call <a href="tel:5853480982">585-348-0982</a> Monday through Friday or email them: <a href="mailto:team@harrimanhallwealth.com">team@harrimanhallwealth.com</a>
Find us on <a href="https://www.facebook.com/people/Harriman-Hall-Wealth/61580497082518/">Facebook</a> or <a href="https://www.linkedin.com/in/pat-schultz-cfp%C2%AE-cima%C2%AE-48017073/">LinkedIn</a>.

What Does a Comfortable Retirement Actually Cost?

Is paying a little more for Medicare today worth avoiding a much bigger tax bill tomorrow? In this episode, Pat Schultz breaks down the often-overlooked connection between Roth conversions and Medicare premiums. While many retirees hesitate to convert because of the potential for higher Medicare costs in the short term, Pat explains why that temporary increase may be worth evaluating against the long-term impact of required minimum distributions (RMDs) and future taxes. The conversation explores common fears, the “tax valley” opportunity that can exist early in retirement and why understanding the numbers (not just the emotions), can lead to better decisions. The takeaway: sometimes the bigger risk is the tax problem you haven’t calculated yet.

For specialized guidance on a tax-smart retirement, visit Harriman Hall Wealth to schedule a complimentary, no-obligation consultation with Pat and his team today. Call 585-348-0982 Monday through Friday or email them: team@harrimanhallwealth.com

Find us on Facebook or LinkedIn.

Is paying a little more for Medicare today worth avoiding a much bigger tax bill tomorrow? In this episode, Pat Schultz breaks down the often-overlooked connection between Roth conversions and Medicare premiums. While many retirees hesitate to convert because of the potential for higher Medicare costs in the short term, Pat explains why that temporary increase may be worth evaluating against the long-term impact of required minimum distributions (RMDs) and future taxes. The conversation explores common fears, the &ldquo;tax valley&rdquo; opportunity that can exist early in retirement and why understanding the numbers (not just the emotions), can lead to better decisions. The takeaway: sometimes the bigger risk is the tax problem you haven&rsquo;t calculated yet.
For specialized guidance on a tax-smart retirement, visit&nbsp;<a href="https://www.harrimanhallwealth.com/">Harriman Hall Wealth</a> to schedule a complimentary, no-obligation consultation with Pat and his team today. Call <a href="tel:5853480982">585-348-0982</a> Monday through Friday or email them: <a href="mailto:team@harrimanhallwealth.com">team@harrimanhallwealth.com</a>
Find us on <a href="https://www.facebook.com/people/Harriman-Hall-Wealth/61580497082518/">Facebook</a> or <a href="https://www.linkedin.com/in/pat-schultz-cfp%C2%AE-cima%C2%AE-48017073/">LinkedIn</a>.

Are You Letting Medicare Fears Stop a Smart Roth Strategy?

What should you really do with your 401(k) when you retire—roll it over, leave it alone, or cash it out? In this episode of The Retirement Project, Pat Schultz breaks down the three most common paths retirees take—and the potential consequences of each choice. He explores why rollovers can offer more flexibility, how holding too much cash can create hidden risks, and why cashing out may come with costly tax implications. The conversation also highlights the importance of income planning, liquidity, and building a strategy that adapts to your spending in early retirement

For specialized guidance on a tax-smart retirement, visit Harriman Hall Wealth to schedule a complimentary, no-obligation consultation with Pat and his team today. Call 585-348-0982 Monday through Friday or email them: team@harrimanhallwealth.com

What should you really do with your 401(k) when you retire&mdash;roll it over, leave it alone, or cash it out? In this episode of The Retirement Project, Pat Schultz breaks down the three most common paths retirees take&mdash;and the potential consequences of each choice. He explores why rollovers can offer more flexibility, how holding too much cash can create hidden risks, and why cashing out may come with costly tax implications. The conversation also highlights the importance of income planning, liquidity, and building a strategy that adapts to your spending in early retirement
For specialized guidance on a tax-smart retirement, visit&nbsp;<a href="https://www.harrimanhallwealth.com/">Harriman Hall Wealth</a> to schedule a complimentary, no-obligation consultation with Pat and his team today. Call <a href="tel:5853480982">585-348-0982</a> Monday through Friday or email them: <a href="mailto:team@harrimanhallwealth.com">team@harrimanhallwealth.com</a>

Are You Making These Retirement Mistakes Without Realizing It?

In 1 playlist(s)

The Retirement Project

Social links

Follow podcast

Recent clips