The beauty of financial planning is that we can shift and make adjustments as life changes, but there are some decisions that aren't reversible. From the moment you claim your Social Security to the type of pension benefits you choose and the life insurance policies you secure, every choice can dramatically alter your retirement landscape. On this week's Money Wisdom podcast, Jake Doser, CFP® sheds light on the irreversible decisions that shape our financial future.

Here's some of what we discuss in this episode:

• What you need to consider before claiming Social Security
• Weighing the spousal benefit option for a pension.
• You can always get life insurance and then cancel it but if you wait too long it won't be an option.
• How do you decide on a retirement date?

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