Retiring before Medicare can feel like freedom—until healthcare costs suddenly take center stage. In this episode, certified financial planner, Pat Schultz unpacks what really happens in the gap years before age 65 and why health insurance decisions often shape retirement timing more than people expect. He discusses the true cost of leaving employer coverage, how ACA subsidies, income levels, COBRA, and HSAs factor into the equation, and the common mistakes that catch early retirees off guard. The conversation highlights why doing the math, asking the right questions, and planning ahead can turn uncertainty into clarity during one of retirement’s most overlooked transitions.

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

Retiring before Medicare can feel like freedom&mdash;until healthcare costs suddenly take center stage. In this episode, certified financial planner, Pat Schultz unpacks what really happens in the gap years before age 65 and why health insurance decisions often shape retirement timing more than people expect. He discusses the true cost of leaving employer coverage, how ACA subsidies, income levels, COBRA, and HSAs factor into the equation, and the common mistakes that catch early retirees off guard. The conversation highlights why doing the math, asking the right questions, and planning ahead can turn uncertainty into clarity during one of retirement&rsquo;s most overlooked transitions.
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 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.