Some retirement decisions have expiration dates—and once they pass, you don’t always get a second chance. In this episode, Pat Schultz explores the critical windows of opportunity in retirement planning and why timing matters just as much as saving. Using a fun seasonal analogy, he breaks down how decisions around Social Security, tax planning, early retirement options, required minimum distributions, and Roth strategies can create ripple effects throughout retirement. The conversation highlights how missing—or mistiming—these moments can quietly change the trajectory of your plan, and why coordinating decisions instead of making them in isolation is a key part of retirement planning.

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