Retirement is often treated like a finish line. Josh Bretl sees it differently.

In this episode of Retire Well, Josh and Mark Elliott unpack what retirement really means and why it has less to do with quitting work and more to do with freedom, flexibility, and cash flow.

Josh shares a personal story about Chicago winters, unexpected family routines, and how small moments can turn into the most meaningful parts of life.

That same idea carries into retirement planning. Listeners learn how to think beyond a magic number, focus on monthly income needs, and understand key considerations like health care before Medicare, debt, and taxes.

The conversation also explores how retirement has changed without pensions, why income planning matters more than ever, and how blending income from different tax buckets can help create clarity and confidence.

The mailbag segment tackles real listener questions about involuntary retirement, Medicare confusion, cognitive decline, and couples navigating different financial comfort levels.

📞 Ready to talk? Call (630) 478-9599 to schedule your complimentary 15-minute call with a Wellment advisor.