Your Retirement with David Meche

One wrong move near the finish line can undo years of progress — and retirement works the same way. In this episode, David Meche uses the high‑speed world of Olympic downhill skiing as a powerful analogy for the retirement “decumulation” phase, where risk, timing, and income decisions matter most. The conversation explores why strategies that worked during your working years may not translate safely into retirement, and highlights common hazards like market volatility, income loss after a spouse’s death, rising healthcare costs, taxes, and Medicare surcharges. Listeners are encouraged to rethink risk, prioritize income planning, and understand why the downhill phase of retirement requires a very different approach. Schedule a complimentary and comprehensive look at your retirement portfolio and learn your risk number with Meche and Associates at 225-258-2112 or click here: https://mecheassociates.com/contact/ And learn more about the next seminar with David Meche here: https://mecheassociates.com/events/ FB: https://www.facebook.com/mecheandassociates

What if your entire retirement plan depended on a single source of income – would it be enough to protect you? In this episode, David Meche explains why relying on only one “faucet” in retirement can leave you vulnerable, and how building multiple income streams can help you stay financially steady no matter what life brings. From Social Security timing to predictable income planning, annuities, long‑term care considerations, and the sequence‑of‑returns risk, David breaks down the core components of creating income that truly lasts. Whether you’re nearing retirement or already in it, this conversation encourages you to think differently about how your future cash flow is built. Schedule a complimentary and comprehensive look at your retirement portfolio and learn your risk number with Meche and Associates at 225-258-2112 or click here: https://mecheassociates.com/contact/ And learn more about the next seminar with David Meche here: https://mecheassociates.com/events/ FB: https://www.facebook.com/mecheandassociates

What if the money you feel safest holding is actually the money holding you back? In this episode, David Meche breaks down the concept of “dead money” — funds that look secure on the surface but quietly lose value, limit growth, and erode long‑term financial confidence. David explains where dead money typically hides, why inflation makes idle cash more costly than people realize, and how shifting from accumulation to income planning changes everything as retirement approaches. From emergency reserves to risk tolerance to purpose‑driven investing, this conversation helps listeners rethink how every dollar should work for them, not against them. Schedule a complimentary and comprehensive look at your retirement portfolio and learn your risk number with Meche and Associates at 225-258-2112 or click here: https://mecheassociates.com/contact/ And learn more about the next seminar with David Meche here: https://mecheassociates.com/events/ FB: https://www.facebook.com/mecheandassociates

What does climbing Mount Everest have in common with retirement? Both require careful planning for the journey down, not just the ascent. In this episode, host David Meche of Meche and Associates discusses why reaching your savings goal is only half the battle—and how a solid income plan, emergency fund, and growth strategy can help you navigate the risks of retirement. David shares actionable New Year’s resolutions for building a resilient plan, from maximizing your 401(k) to managing taxes and adjusting risk. Whether you’re approaching retirement or already there, this conversation offers practical steps for a safer financial descent.   Schedule a complimentary and comprehensive look at your retirement portfolio and learn your risk number with Meche and Associates at 225-258-2112 or click here: https://mecheassociates.com/contact/ And learn more about the next seminar with David Meche here: https://mecheassociates.com/events/ FB: https://www.facebook.com/mecheandassociates

What do alien visitors and retirement planning have in common? Both remind us that the future is full of unknowns. In this episode, host David Meche, president of Meche and Associates, explores how to prepare for surprises in retirement—whether it’s market volatility, recessions, inflation, or changing tax laws. David shares practical strategies for balancing risk, diversifying income, and making smart decisions about when to shift from growth to protection. Learn why timing, tax planning, and education matter for building a resilient retirement plan that fits your life.   Schedule a complimentary and comprehensive look at your retirement portfolio and learn your risk number with Meche and Associates at 225-258-2112 or click here: https://mecheassociates.com/contact/ And learn more about the next seminar with David Meche here: https://mecheassociates.com/events/ FB: https://www.facebook.com/mecheandassociates

Shohei Otani’s headline-making contract isn’t just a sports story—it’s a lesson in financial strategy. In this episode, David Meche explains how deferred payments, like Otani’s, can inspire smarter retirement planning for everyday people. Discover how annuities and income deferral can help retirees manage risk, create predictable income, and address the fear of outliving savings. David breaks down common misconceptions about annuities, the emotional side of shifting from saving to spending, and why a personalized plan matters. Whether you’re nearing retirement or just curious, this conversation offers clarity on turning uncertainty into confidence.   Schedule a complimentary and comprehensive look at your retirement portfolio and learn your risk number with Meche and Associates at 225-258-2112 or click here: https://mecheassociates.com/contact/ And learn more about the next seminar with David Meche here: https://mecheassociates.com/events/ FB: https://www.facebook.com/mecheandassociates

Turning 73 means Uncle Sam comes calling for your retirement savings—are you ready for required minimum distributions (RMDs)? In this episode, financial expert David Meche breaks down the do’s and don’ts of RMDs, revealing why timing and strategy matter more than most retirees realize. Discover how pulling funds in equal installments can protect your nest egg, why tax planning is crucial, and how to avoid costly mistakes when the market dips. Whether you’re years away or facing your first RMD, this conversation will help you approach retirement with confidence and clarity.   Schedule a complimentary and comprehensive look at your retirement portfolio and learn your risk number with Meche and Associates at 225-258-2112 or click here: https://mecheassociates.com/contact/ And learn more about the next seminar with David Meche here: https://mecheassociates.com/events/ FB: https://www.facebook.com/mecheandassociates

Did you know there are over 500 ways to claim Social Security? In this episode, David Meche unpacks the maze of retirement income options and reveals how faith, family, and purpose guide his approach to financial well-being. Whether you’re planning ahead or already retired, discover why Social Security isn’t one-size-fits-all, how to weigh health and family priorities, and what to do as pensions fade and government benefits face uncertainty. David shares practical tips for optimizing income, preparing younger generations, and harnessing the power of compound interest for a secure future.   Schedule a complimentary and comprehensive look at your retirement portfolio and learn your risk number with Meche and Associates at 225-258-2112 or click here: https://mecheassociates.com/contact/ And learn more about the next seminar with David Meche here: https://mecheassociates.com/events/ FB: https://www.facebook.com/mecheandassociates

Are you following retirement advice that’s past its expiration date? In this episode, David Meche reveals why classic rules like the 4% rule and “debt-free by retirement” may not fit today’s realities. Guided by faith, family, and purpose, David shares how to refresh your retirement strategy with guaranteed income, personalized planning, and up-to-date solutions. Learn why income is the key to confidence, how to adapt your plan for changing times, and what steps to take for a safer, more productive retirement. Tune in for practical insights and a fresh perspective on building your financial future.   Schedule a complimentary and comprehensive look at your retirement portfolio and learn your risk number with Meche and Associates at 225-258-2112 or click here: https://mecheassociates.com/contact/ And learn more about the next seminar with David Meche here: https://mecheassociates.com/events/ FB: https://www.facebook.com/mecheandassociates

What if a single health event could change your entire retirement plan? In this episode, David Meche shares personal stories and expert advice on preparing for healthcare costs in retirement, from long-term care to building income streams that last. Discover why planning for medical expenses is essential, how family dynamics impact care, and what steps you can take to prepare for your financial future. Tune in for heartfelt insights and practical strategies that go beyond the numbers.   Schedule a complimentary and comprehensive look at your retirement portfolio and learn your risk number with Meche and Associates at 225-258-2112 or click here: https://mecheassociates.com/contact/ And learn more about the next seminar with David Meche here: https://mecheassociates.com/events/ FB: https://www.facebook.com/mecheandassociates

Ready to keep more of what you’ve earned? This episode dives into smart, actionable tax strategies for Q4, including Roth conversions, maximizing retirement contributions, and capital gains planning. Host and financial coach David Mesh breaks down what you need to know before year-end, from avoiding last-minute tax surprises to making the most of current laws. Whether you’re nearing retirement or just want to optimize your finances, tune in for practical insights that could help you prepare before December 31st.   Schedule a complimentary and comprehensive look at your retirement portfolio and learn your risk number with Meche and Associates at 225-258-2112 or click here: https://mecheassociates.com/contact/ And learn more about the next seminar with David Meche here: https://mecheassociates.com/events/ FB: https://www.facebook.com/mecheandassociates

Kevin Blanchard discusses that magic number prospective retirees what to know: how much they need to retire and not go broke. Kevin shares the factors that go into knowing this number and why accounting for inflation is crucial. Kevin also talks about the modeling software that Meche and Associates uses that draws on decades of market history and that takes complicated factors and puts them into simple terms. And he discusses his football coaching career – his favorite position, players, and teams. Schedule a complimentary and comprehensive look at your retirement portfolio and learn your risk number with Meche and Associates at 225-258-2112 or click here: https://mecheassociates.com/contact/ And learn more about the next seminar with David Meche and Kevin Blanchard here: https://mecheassociates.com/events/ FB: https://www.facebook.com/mecheandassociates

Kevin Blanchard discusses an oft-overlooked task of retirement – the required minimum distribution. Kevin shares at what age most people have to start drawing off of certain retirement accounts, to which counts this rule applies, and how the IRS determines what people owe. Kevin also reveals how there are so many different tax strategies in dealing with RMDs and why an advisor can help. And Kevin talks about Louisiana food and the diverse background that led to his career in helping people with money. Schedule a complimentary and comprehensive look at your retirement portfolio and learn your risk number with Meche and Associates at 225-258-2112 or click here: https://mecheassociates.com/contact/ And learn more about the next seminar with David Meche and Kevin Blanchard here: https://mecheassociates.com/events/ FB: https://www.facebook.com/mecheandassociates

David Meche discusses the inauguration of Donald Trump and what it could mean for the "Trump Tax Cuts" that are to sunset at the end of the year. Speaking of taxes, what deadlines are coming up that you need to know about before April 15th? David and Kevin also discuss the new buzz word, microretirement. Is this something that could be beneficial for retirees and how does David see it affecting his clients? Ready to connect with David and Kevin?  Visit Meche & Associates today!

Kevin Blanchard talks about Valentine's Day and ways to cut costs for the big date night. Are there lessons about how to cut costs when it comes to retirement and your retirement plans? Plus, a common strategy is the 4% rule. There have been some changes to that thought process, and Kevin talks about the best ways to implement that "rule" when it comes to your portfolio. Ready to connect with David and Kevin?  Visit Meche & Associates today!

Kevin Blanchard takes you through everything retirement planning. When a decision is made when it comes to estate planning, Kevin tells you why it's a good idea to make sure that the entire family is on the same page and is aware of what is coming. Even if it's a difficult conversation to have. He also touches on questions you should be asking your financial advisor and what might be some signs it's time to change. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche discusses the current state of the stock market, emphasizing a cautious approach to investing as we move into 2025. They highlight the importance of having a solid retirement plan that balances risk and accumulation, especially as individuals transition from saving to drawing from their retirement funds. Finally, Juan Soto's massive contract serves as a warning when it comes to taxes. What can you learn from the superstar's big payday? Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche discusses the inauguration of Donald Trump and what it could mean for the "Trump Tax Cuts" that are to sunset at the end of the year. Speaking of taxes, what deadlines are coming up that you need to know about before April 15th? David and Kevin also discuss the new buzz word, microretirement. Is this something that could be beneficial for retirees and how does David see it affecting his clients? Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche gets raw about why retirement planning, especially long term care, hits home for him and why he is so passionate about what he does. He also examines how the Rolling Stones have fought retirement and how you might be able to keep your foot in the door if you would like to keep working as well. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche discusses the current state of the stock market, emphasizing a cautious approach to investing as we move into 2025. They highlight the importance of having a solid retirement plan that balances risk and accumulation, especially as individuals transition from saving to drawing from their retirement funds. Finally, Juan Soto's massive contract serves as a warning when it comes to taxes. What can you learn from the superstar's big payday? Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the realities of retirement savings, emphasizing that the commonly cited figure of $1 million is not a one-size-fits-all solution. They explore the importance of understanding individual income and expenses in retirement, the need for flexibility in retirement planning, and the value of creating a personalized retirement plan that considers each person's unique situation. The discussion also highlights the significance of guaranteed income sources and the necessity of having a solid plan in place to ensure financial security in retirement. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the importance of having a solid retirement plan, addressing common concerns and fears that individuals face as they approach retirement. They emphasize the need for financial education and clarity to help clients feel confident about their retirement decisions. The discussion also highlights the significance of understanding personal retirement goals and the necessity of a roadmap to achieve them. Ready to connect with David and Kevin?  Visit Meche & Associates today!

Kevin Blanchard discusses various topics related to retirement planning, including the importance of understanding hidden fees in investment accounts, the significance of joint financial planning for couples, and reflections on Cher's memoir highlighting financial awareness. The conversation emphasizes the need for a retirement income budget and the importance of both partners being involved in financial decisions to ensure a secure retirement. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the importance of understanding hidden fees in retirement plans, particularly in 401ks and IRAs. They emphasize the need for transparency in financial services and the value of personal relationships with financial advisors. The conversation also covers the impact of interest rates on the economy and retirement planning, highlighting strategies to mitigate risks and ensure financial stability. The hosts encourage listeners to seek second opinions on their financial plans and reflect on their personal financial journeys during the holiday season. Ready to connect with David and Kevin?  Visit Meche & Associates today!

The conversation delves into the complexities of 401(k) plans, focusing on the fees associated with them, the importance of managing old 401(k)s, and the financial awareness of athletes. Serena Williams may be able to afford not claiming prizes, but can you? David Meche, Kevin Blanchard and Kevin McAlpin emphasize the need for personalized retirement planning and the significance of understanding one's financial situation to ensure a secure retirement. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the realities of retirement savings, emphasizing that the commonly cited figure of $1 million is not a one-size-fits-all solution. They explore the importance of understanding individual income and expenses in retirement, the need for flexibility in retirement planning, and the value of creating a personalized retirement plan that considers each person's unique situation. The discussion also highlights the significance of guaranteed income sources and the necessity of having a solid plan in place to ensure financial security in retirement. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche discusses the parallels between Halloween candy preferences and retirement planning, emphasizing the importance of understanding different retirement accounts like 401ks and IRAs. They highlight the need for diversification as individuals approach retirement and the significance of tax strategies in managing retirement income. The discussion aims to educate listeners on the complexities of retirement planning and the necessity of personalized financial advice. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the importance of having a solid retirement plan, addressing common concerns and fears that individuals face as they approach retirement. They emphasize the need for financial education and clarity to help clients feel confident about their retirement decisions. The discussion also highlights the significance of understanding personal retirement goals and the necessity of a roadmap to achieve them. Ready to connect with David and Kevin?  Visit Meche & Associates today!

The conversation delves into the complexities of 401(k) plans, focusing on the fees associated with them, the importance of managing old 401(k)s, and the financial awareness of athletes. Serena Williams may be able to afford not claiming prizes, but can you? David Meche and Kevin Blanchard emphasize the need for personalized retirement planning and the significance of understanding one's financial situation to ensure a secure retirement. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the intersection of music and retirement, featuring an interview David had with members of Lynyrd Skynyrd. They explore the musicians' perspectives on retirement, their creative processes, and the healing power of music. The discussion highlights the importance of teamwork in both music and retirement planning, emphasizing that musicians, like financial advisors, are dedicated to their craft and their audiences. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche discusses the parallels between Halloween candy preferences and retirement planning, emphasizing the importance of understanding different retirement accounts like 401ks and IRAs. They highlight the need for diversification as individuals approach retirement and the significance of tax strategies in managing retirement income. The discussion aims to educate listeners on the complexities of retirement planning and the necessity of personalized financial advice. Ready to connect with David and Kevin?  Visit Meche & Associates today!

The conversation discusses the importance of having a contingency plan for retirement and preparing for unexpected events. It emphasizes the need to consider 'what if' scenarios and build in buffers when creating retirement plans. David and Kevin also highlight the importance of diversifying investments and working with a financial advisor to develop a structured retirement plan.  Ready to connect with David and Kevin?  Visit Meche & Associates today!

In this episode, Kevin Blanchard discusses the transition from teaching to financial advising, emphasizing the importance of easing client anxiety during initial meetings. They share personal anecdotes about teaching experiences and the significance of creating a comfortable environment for clients to discuss their retirement plans. The conversation highlights the need for personalized financial strategies and the positive impact of effective communication in alleviating client concerns. Ready to connect with David and Kevin?  Visit Meche & Associates today!

The conversation discusses the importance of having a contingency plan for retirement and preparing for unexpected events. It emphasizes the need to consider 'what if' scenarios and build in buffers when creating retirement plans. David and Kevin also highlight the importance of diversifying investments and working with a financial advisor to develop a structured retirement plan.  Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the intersection of sports, particularly college football, and retirement planning. They draw parallels between the strategies used in poker and the importance of having a solid financial plan for retirement. The discussion emphasizes the need for calculated risks and the use of tools like Market Guard to manage investments effectively. The hosts also highlight the importance of community engagement through local sports and the role of financial advisors in guiding clients towards secure retirement strategies. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the concept of 'lazy money' in retirement portfolios and the importance of putting that money to work. They emphasize the need for cash accessibility for emergencies while also having a plan for long-term growth and savings. The conversation highlights the risks of keeping money in low-yield investments that do not outpace inflation. David and Kevin encourage listeners to explore better options for their retirement savings. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the Trump tax cuts and the potential expiration of the tax cuts and jobs act in 2025. They explore the option of Roth conversions and the potential for Congress to start taxing Roths in the future. They also discuss the importance of tax planning and mitigating taxes in retirement. The conversation then shifts to the coming problem with Social Security and the potential reduction of benefits in 2035. They discuss the use of income annuities as a tool to guard against the reduction of Social Security benefits. Overall, the conversation emphasizes the need for individuals to take control of their retirement income and plan for potential changes in tax laws and Social Security benefits. Ready to connect with David and Kevin?  Visit Meche & Associates today!

The conversation discusses the importance of timing when it comes to taxes and retirement planning. It emphasizes the need to be aware of tax brackets and how different sources of income can affect tax rates. David and Kevin also highlight the significance of pre-planning and taking action to reduce tax liability. They mention strategies such as Roth conversions and timing Social Security benefits to minimize taxes. The conversation concludes with a reminder to stay informed and make informed decisions about taxes and retirement planning. Ready to connect with David and Kevin?  Visit Meche & Associates today!

In this episode, Kevin Blanchard discusses the recent market volatility and the importance of having the right retirement plan in place. He shares insights from financial author Robert Prechter and emphasizes the need to stay calm and not panic. Kevin highlights the benefits of using MarketGuard for non-emotional, methodical, and mathematical portfolio management. He also mentions the role of communication and personalized planning in Meche & Associates' approach.  Ready to connect with David and Kevin?  Visit Meche & Associates today!

The conversation discusses the recent market volatility and the concerns surrounding a possible recession. It also explores the addiction to stocks among the baby boomer generation and the importance of diversification. The hosts emphasize the need for a second opinion and offer reassurance to listeners about their retirement plans. They also touch on the topic of required minimum distributions (RMDs) and the potential penalties for not taking them.  Ready to connect with David and Kevin?  Visit Meche & Associates today!

In this podcast episode, Kevin discusses NFL players who made money mistakes and lost millions. They highlight the cases of Johnny Unitas, Warren Sapp, Terrell Owens, Chad Ochocinco, and Dan Marino. The hosts emphasize the importance of having a financial plan and working with professionals to avoid financial pitfalls in retirement. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the Summer Olympics and the tax implications of retirement. They share their favorite sports in the Olympics and discuss the taxes that American athletes have to pay on their winnings. They then dive into the topic of taxes in retirement, explaining the different sources of income and how they are taxed. They emphasize the importance of creating a workable plan to mitigate taxes in retirement. The conversation concludes with a discussion on forced distributions from retirement accounts and the need to have a suitable portfolio for retirement. Ready to connect with David and Kevin?  Visit Meche & Associates today!

The conversation discusses the importance of having a contingency plan for retirement and preparing for unexpected events. It emphasizes the need to consider 'what if' scenarios and build in buffers when creating retirement plans. David and Kevin also highlight the importance of diversifying investments and working with a financial advisor to develop a structured retirement plan.  Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss various topics related to retirement planning and changing financial advisors. They also touch on the recent shooting at a Donald Trump rally and the importance of communication with clients. The conversation concludes with a discussion on the decision to retire early and the considerations that need to be taken into account, such as healthcare coverage. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the topic of artificial intelligence (AI) and its role in financial planning. They highlight the limitations of AI in providing personalized advice and building trust with clients. They also introduce MarketGuard, a proprietary tool they use to reduce volatility and protect clients' investments. The conversation then shifts to the current state of the stock market and the potential for a correction. David and Kevin emphasize the importance of diversification and having a proactive approach to investment strategies. Ready to connect with David and Kevin?  Visit Meche & Associates today!

In this conversation, David Mesh and Kevin Blanchard discuss what to look for in a financial advisor, as well as the importance of starting retirement planning early. They also highlight the need for a holistic approach to retirement planning, including estate planning and tax considerations. The conversation emphasizes the importance of finding a fiduciary advisor who puts the client's needs first. The hosts share their passion for helping clients protect and grow their wealth, and stress the need for a personalized approach to retirement planning. Ready to connect with David and Kevin?  Visit Meche & Associates today!

In this conversation, Kevin Blanchard discusses the current state of the stock market and the rise of 401k millionaires. He explores the options available to individuals who have reached this milestone and suggests considering taking profits and diversifying investments. Kevin also highlights the importance of having a well-designed portfolio strategy, such as MarketGuard, that can determine the right time to hold or sell positions. He compares portfolio construction to baking cookies, emphasizing the need for the right ingredients, asset selection, and allocation. Additionally, Kevin discusses alternative options outside of 401ks, such as Roth IRAs and max funded life insurance, and addresses the possibility of the government eliminating pre-tax contributions in 401ks. He encourages listeners to schedule a consultation to explore these options further. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the Trump tax cuts and the potential expiration of the tax cuts and jobs act in 2025. They explore the option of Roth conversions and the potential for Congress to start taxing Roths in the future. They also discuss the importance of tax planning and mitigating taxes in retirement. The conversation then shifts to the coming problem with Social Security and the potential reduction of benefits in 2035. They discuss the use of income annuities as a tool to guard against the reduction of Social Security benefits. Overall, the conversation emphasizes the need for individuals to take control of their retirement income and plan for potential changes in tax laws and Social Security benefits. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the importance of having a proactive investment strategy and introduce Market Guard, a proprietary portfolio management strategy. They emphasize the need for a plan that can adapt to market changes and protect against volatility. They also highlight the benefits of Market Guard, including intelligent algorithms and a team of experts who monitor clients' portfolios. The conversation then shifts to the topic of required minimum distributions (RMDs) and the potential tax implications. David and Kevin provide strategies to minimize taxes and keep more money in retirees' pockets. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David and Kevin share personal stories and insights about retirement, inspired by their fathers. They emphasize the importance of enjoying retirement and being financially prepared. They also discuss the challenges retirees may face and provide advice on financial planning and decision-making. Ready to connect with David and Kevin?  Visit Meche & Associates today!