On this episode of Retire Well, Josh Bretl and Mark Elliott dig into what most people really mean when they say they want a “comfortable retirement.”

It turns out, it almost always starts with income.

Josh shares personal stories, including childhood memories at Wrigley Field, to explain why meaningful experiences matter in retirement and why those experiences depend on having reliable income you can count on.

The conversation breaks down the four pillars of a strong retirement plan. Income, protection, growth, and liquidity.

Josh explains why no single financial institution can provide all four and how retirees need to understand the role banks, Wall Street, and insurance companies each play.

They also explore common retirement fears, tax planning over a lifetime, and why clarity around spending can give you permission to actually enjoy retirement.

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