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No two retirements look the same, and often clients come in with circumstances that make a cookie-cutter plan impossible. In this episode, Phil looks at some examples of these more unique and challenging scenarios and explore the solutions you’ll need to successfully retire. If you're looking for a one-size-fits-all retirement plan, you’re not going to find it here, and that’s a good thing.

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

⏳ How age gaps can dramatically change retirement strategy

🧾 Early retirement and the hidden cost of health coverage

💔 How divorce reshapes your income, housing, and long-term plan

🧠 Special needs planning and estate considerations

🛠️ Why no plan is truly set-it-and-forget-it

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