Are you and your spouse truly on the same page about money—or just assuming you are? In this episode of The Retirement Project, certified financial planner, Pat Schultz explores the essential financial conversations couples often avoid until it’s too late. He discusses why one partner is often left in the dark, the real‑world consequences of missing information, and how misaligned risk tolerance and unspoken fears can quietly derail retirement plans. From organizing financial details to navigating emotional decisions about spending, legacy, and retirement timing, this conversation highlights why treating money as a team sport can bring clarity, confidence, and peace of mind during life’s biggest 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