Is there a “right” moment to start working with a financial advisor—or a point where it’s too late? This episode of the Retirement Referee breaks down why timing matters as retirement approaches and how different planning windows change the conversation. Brooks walks through what can realistically be addressed at 10 years out, 5 years out, and even just a few years before retirement. The discussion covers income planning, risk management, taxes, Social Security timing, and why retirement is best viewed as an ongoing process rather than a single event.

Listen to Brooks every Saturday at 7 a.m. on KOTA.

Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!

Is there a &ldquo;right&rdquo; moment to start working with a financial advisor&mdash;or a point where it&rsquo;s too late? This episode of the Retirement Referee breaks down why timing matters as retirement approaches and how different planning windows change the conversation. Brooks walks through what can realistically be addressed at 10 years out, 5 years out, and even just a few years before retirement. The discussion covers income planning, risk management, taxes, Social Security timing, and why retirement is best viewed as an ongoing process rather than a single event.
Listen to Brooks every Saturday at 7 a.m. on&nbsp;<a href="https://www.kotaradio.com/">KOTA</a>.
Ready to build your retirement plan? Visit <a href="https://brooksfg.com/">https://brooksfg.com/</a> to connect with Brooks and his team today!

When your retirement gets down to game time, who do you want making the calls? Don’t settle for second-best – get the advisor that knows the rules.

The Retirement Referee, hosted by Brooks Financial Group founder Brooks Bernhagen, shows how to go by the rulebook and get the most out of your retirement. With experienced insights, weekly deep dives into the financial trends of the day, and the retirement tips you’re looking for, the Retirement Referee is always a podcast instant replay. Listen and subscribe today!

When your retirement gets down to game time, who do you want making the calls? Don’t settle for second-best – get the advisor that knows the rules.
The Retirement Referee, hosted by Brooks Financial Group founder Brooks Bernhagen, shows how to go by the rulebook and get the most out of your retirement. With experienced insights, weekly deep dives into the financial trends of the day, and the retirement tips you’re looking for, the Retirement Referee is always a podcast instant replay. Listen and subscribe today!