Could the safest money in your portfolio actually be putting your retirement at risk? In this episode of The Retirement Project, Pat Schultz explores the concept of "dead money" and why keeping too much cash in savings accounts, CDs, or money markets can quietly erode your purchasing power over time. Pat discusses the hidden impact of inflation, tax inefficiency, and the challenge many retirees face when balancing security with long-term growth. Using a simple three-lane highway analogy, he explains how cash, income-producing investments, and growth investments each serve a purpose in a retirement plan. If you've ever wondered whether your money is working as hard as it could be, this conversation 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

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