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