One decision, dozens of rules, and long‑lasting consequences—when you take Social Security matters more than most people realize. In this episode of The Retirement Project, certified financial planner Pat Schultz breaks down how Social Security fits into a modern retirement plan. He explores why claiming isn’t a one‑size‑fits‑all decision, how spousal benefits and continued work can affect timing, and why Social Security should never be considered in isolation. The conversation also touches on common misconceptions, the role of taxes, and how inflation and portfolio structure influence claiming strategies—highlighting the importance of viewing Social Security as one piece of a much bigger financial picture.

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

One decision, dozens of rules, and long‑lasting consequences&mdash;when you take Social Security matters more than most people realize. In this episode of The Retirement Project, certified financial planner Pat Schultz breaks down how Social Security fits into a modern retirement plan. He explores why claiming isn&rsquo;t a one‑size‑fits‑all decision, how spousal benefits and continued work can affect timing, and why Social Security should never be considered in isolation. The conversation also touches on common misconceptions, the role of taxes, and how inflation and portfolio structure influence claiming strategies&mdash;highlighting the importance of viewing Social Security as one piece of a much bigger financial picture.
For specialized guidance on a tax-smart retirement, visit <a href="https://www.harrimanhallwealth.com/">&nbsp;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.