Is your retirement plan stuck in outdated rules and vanilla strategies? In this episode of Retirement Your Way Podcast, Gary Garner and Vicki Miller unpack how rising interest rates, modern annuities, and evolving financial tools can reshape your retirement outlook. From the myth of the 4% rule to the emotional math behind risk tolerance, they explore how personalization—not one-size-fits-all formulas—leads to smarter planning. Whether you're 35 or 65, it's time to rethink what retirement really means.

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