Retirement planning goes far beyond investment returns. In this episode, Parker Holland discusses how taxes, Social Security, Medicare surcharges, market volatility, and family legacy planning all work together to shape retirement outcomes.

They break down why many retirees are surprised by taxable Social Security income, how IRMAA Medicare surcharges can affect long-term costs, and why sequence-of-returns risk remains one of the most overlooked threats to retirement income planning.

The conversation also explores the emotional side of retirement — including helping family members financially, returning to work during retirement, and how “unretirement” is becoming more common as retirees search for purpose and flexibility.

Listeners will also hear a real-world retirement income case study showing how strategic planning may improve long-term retirement sustainability compared to relying solely on traditional withdrawal assumptions.

Whether you’re approaching retirement or already retired, this episode offers practical insights into building a more intentional and tax-aware retirement strategy.