An 88-year-old forced to work after losing his pension highlights the urgent need for a real retirement income plan. In this episode, Jim Fox shares why relying on luck or outdated strategies isn’t enough—and how a written, personalized plan can help you avoid financial heartbreak. Learn how to balance annuities, CDs, dividend accounts, and market investments to create reliable income, address healthcare costs, and safe guard your family’s future. Discover why honest advice and clear options matter more than sales pitches, and why taking action now can change your retirement story.

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