Retirement planning goes well beyond collecting financial tools—it's about having a blueprint built for confidence, security, and adaptability. In this episode, we break down the critical differences between simply owning investment products (like 401(k)s and IRAs) and having a true retirement plan designed to last through market shifts, inflation, and changing tax laws. Eric Hogarth and Mark Elliott tackle common misconceptions—like the idea that Social Security is always tax-free—and share tips on what to ask when evaluating your current plan or seeking a second opinion.