The timeline for Social Security shortfalls just moved closer—and that uncertainty has many retirees asking hard questions. In this episode of Your Retirement, Your Way, financial planner Gary Garland unpacks what it could mean if Social Security benefits are reduced sooner than expected. The conversation explores how much retirees and pre‑retirees should rely on Social Security, why “salt versus steak” matters in income planning, and strategies for planning around potential benefit changes. Gary breaks down claiming decisions, tax impacts, Medicare consequences, and why stress‑testing your plan matters—no matter your age. This episode emphasizes preparation, flexibility, and building income sources beyond Social Security.

Click here to schedule your free conversation with Gary for a comprehensive review on tax reduction, investment optimization, and improvement or call 732-751-4677.

Have ideas or questions for the show? Email info@iwfamily.com or send Integrated Wealth Solutions a message on Facebook!

The timeline for Social Security shortfalls just moved closer&mdash;and that uncertainty has many retirees asking hard questions. In this episode of Your Retirement, Your Way, financial planner Gary Garland unpacks what it could mean if Social Security benefits are reduced sooner than expected. The conversation explores how much retirees and pre‑retirees should rely on Social Security, why &ldquo;salt versus steak&rdquo; matters in income planning, and strategies for planning around potential benefit changes. Gary breaks down claiming decisions, tax impacts, Medicare consequences, and why stress‑testing your plan matters&mdash;no matter your age. This episode emphasizes preparation, flexibility, and building income sources beyond Social Security.
Click&nbsp;<a href="https://www.iwfamily.com">here</a>&nbsp;to schedule your free conversation with Gary for a comprehensive review on tax reduction, investment optimization, and improvement or call 732-751-4677.
Have ideas or questions for the show? Email&nbsp;<a href="mailto:info@iwfamily.com">info@iwfamily.com</a> or send Integrated Wealth Solutions a message on <a href="https://www.facebook.com/IntegratedWealthSolutionsLLC">Facebook</a>!

Retirement is meant to be a breeze, but planning for it is no laughing matter. It’s important to have everything you need in place so you can enjoy the retirement you want, not the one you settle for.

Your Retirement, Your Way, the show from Gary Garland and Integrated Wealth Solutions, is the resource you need to plan your retirement with you in mind. Listen each week as Gary cuts through the jargon and gets to the heart of financial developments and shifts in the marketplace. Through Gary’s twenty-five years of experience, you’ll find the know-how and professional insight to help you make the best retirement decisions. After all, it’s your retirement – why not do it your way?

For more information go to www.iwfamily.com

Retirement is meant to be a breeze, but planning for it is no laughing matter. It’s important to have everything you need in place so you can enjoy the retirement you want, not the one you settle for.
Your Retirement, Your Way, the show from Gary Garland and Integrated Wealth Solutions, is the resource you need to plan your retirement with you in mind. Listen each week as Gary cuts through the jargon and gets to the heart of financial developments and shifts in the marketplace. Through Gary’s twenty-five years of experience, you’ll find the know-how and professional insight to help you make the best retirement decisions. After all, it’s your retirement – why not do it your way?
For more information go to www.iwfamily.com

Your Retirement, Your Way

Retirement is meant to be a breeze, but planning for it is no laughing matter. It’s important to have everything you need in place so you can enjoy the retirement you want, not the one you settle for.

Your Retirement, Your Way, the show from Gary Garland and Integrated Wealth Solutions, is the resource you need to plan your retirement with you in mind. Listen each week as Gary cuts through the jargon and gets to the heart of financial developments and shifts in the marketplace. Through Gary’s twenty-five years of experience, you’ll find the know-how and professional insight to help you make the best retirement decisions. After all, it’s your retirement – why not do it your way?

for more information go to www.iwfamily.com

Retirement is meant to be a breeze, but planning for it is no laughing matter. It’s important to have everything you need in place so you can enjoy the retirement you want, not the one you settle for.
Your Retirement, Your Way, the show from Gary Garland and Integrated Wealth Solutions, is the resource you need to plan your retirement with you in mind. Listen each week as Gary cuts through the jargon and gets to the heart of financial developments and shifts in the marketplace. Through Gary’s twenty-five years of experience, you’ll find the know-how and professional insight to help you make the best retirement decisions. After all, it’s your retirement – why not do it your way?
for more information go to <a href="http://www.iwfamily.com">www.iwfamily.com</a>