What if retirement looks “double‑stuffed” on the label—but falls short in real life?
In this episode of The Retirement Project, host and CFP® Pat Schultz explores the gap between expectations and reality in retirement planning. Using a lighthearted Oreo analogy, he unpacks common surprises retirees face, from spending more than expected and the tax reality of 401(k)s to healthcare gaps Medicare doesn’t always cover. The conversation also dives into contingency planning, protecting what you’ve built, and why emotional fulfillment and purpose matter just as much as the numbers. It’s a thoughtful look at how planning—not assumptions—shapes the retirement experience.

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

What if retirement looks &ldquo;double‑stuffed&rdquo; on the label&mdash;but falls short in real life? In this episode of The Retirement Project, host and CFP&reg; Pat Schultz explores the gap between expectations and reality in retirement planning. Using a lighthearted Oreo analogy, he unpacks common surprises retirees face, from spending more than expected and the tax reality of 401(k)s to healthcare gaps Medicare doesn&rsquo;t always cover. The conversation also dives into contingency planning, protecting what you&rsquo;ve built, and why emotional fulfillment and purpose matter just as much as the numbers. It&rsquo;s a thoughtful look at how planning&mdash;not assumptions&mdash;shapes the retirement experience.
For specialized guidance on a tax-smart retirement, visit <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.