What if one unexpected moment could reshape your entire retirement? In this episode, Pat Schultz, CFP® and founder of Harriman Hall Wealth Management, shares the real-life experiences that shaped his mission to guide retirees with clarity and purpose. From the hidden dangers of making financial decisions in isolation to the emotional side of leaving a lifelong career, Pat reveals why coordinated planning matters—and how purpose, lifestyle, and tax‑smart strategy tie together in retirement. You’ll also hear the heartfelt story behind Harriman Hall and the mentor who changed Pat’s life. This episode is honest, human, and a powerful reminder that retirement is about more than money.

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