What if your retirement plan is missing the most critical steps? In this episode, Gerry Ricken and Heidi Ricken Provost break down the retirement timeline—from 15 years out to just months away. Learn why Roth conversions, HSA strategies, and risk tolerance alignment are essential, and how procrastination can derail your future. Whether you're decades from retirement or ready to clock out, this episode helps you rethink your financial strategy and prepare for a confident transition.

Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com.

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