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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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&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.