In Episode 60 of Doctor’s Wealth and Wellness, titled "Retirement Planning for Early or Phased Exits," host Norm Wright, a Certified Financial Planner, guides physicians toward crafting retirement plans that leverage their high incomes for early or phased exits, building on Episode 56’s expert guidance and Episode 52’s investment strategies. With a 2025 Vanguard study noting 50% of physicians underutilize tax-advantaged accounts, missing significant growth, Norm outlines three steps: defining a clear retirement vision (like retiring at 55 or reducing hours), maximizing 401(k), IRA, and HSA contributions for tax savings (as Dr. Chen did, saving $8,000 annually), and stress-testing plans with a CFP to withstand market volatility, boosting success rates by 15% per a 2025 Morningstar study. Celebrating over 50 episodes, this episode provides actionable steps—like setting a savings target or scheduling a CFP session—to ensure doctors retire on their terms, securing both financial freedom and lifestyle goals.  Examples in this episode are hypothetical and not representative of a specific individual.