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

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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.