Road Rules for Retirement Show

After decades of working, saving, and planning, retirement is often expected to feel like freedom. But for many retirees, the transition is more complicated than simply leaving work behind. In this episode of Road Rules for Retirement, Mark Fried explains why true financial freedom is not only about having enough money, but about knowing how your plan supports your lifestyle, values, and long-term peace of mind.

Mark introduces the "freedom formula," built around three essential pillars: clarity, control, and confidence. Clarity means understanding what your money needs to do. Control means structuring your income intentionally. Confidence means knowing your plan supports the people, priorities, and purpose that matter most.

As the season three finale, this episode brings together many of the most important themes of retirement planning, including income, taxes, risk, flexibility, purpose, and long-term decision-making. It is a reminder that the numbers matter, but the meaning behind the plan matters just as much.

KEY DISCUSSION POINTS

• Why retirement is not just a finish line, but a major life redesign.

• Why some retirees feel financially prepared but still uncertain about what comes next.

• How work often provides structure, purpose, relationships, and identity beyond income.

• Why financial freedom is not only a number, but a feeling of security and direction.

• How clarity helps retirees understand income needs, taxes, inflation, healthcare, and lifestyle priorities.

• Why control comes from knowing where retirement income will come from and how each account fits into the plan.

• How confidence grows when a retirement plan reflects personal values and long-term goals.

• Why the best retirement plans are flexible enough to change as life changes.

• How retirees can use their freedom to mentor, give back, travel, create, work differently, or spend more time with family.

• Why the ultimate goal of planning is not just to make money last, but to help retirement feel meaningful and sustainable.

CHAPTERS / TIMESTAMPS

00:00 – Can I actually afford to retire with confidence?

00:45 – What does true financial freedom look like after decades of working and saving?

01:45 – How do you replace the structure, purpose, and connection that work once provided?

02:53 – What is the freedom formula for retirement planning?

04:01 – How do you design financial freedom around your own vision?

05:11 – What does life independence mean in retirement?

06:19 – How can your retirement plan be built to inspire, not just last?

07:16 – What should listeners understand about financial education and investment advice?

Mark Fried is a fiduciary financial advisor in Newtown, PA, serving retirees and pre-retirees throughout Bucks County, the Philadelphia area, and New Jersey.

Visit Mark's website: https://plansmartandretirewell.com/

In this episode of Road Rules for Retirement, Mark Fried discusses one of the biggest shifts retirees face: moving from saving and accumulating to actually using their money for income. Many people enter retirement with strong savings, but still feel uncertain about how to withdraw from their 401(k), IRA, brokerage accounts, and cash reserves without making costly mistakes.

Mark explains how a fiduciary retirement income plan can help turn savings into a steady retirement paycheck. He walks through the importance of structure, sustainability, tax strategy, and inflation protection, including how a three-bucket income plan can help retirees cover near-term spending while keeping long-term assets positioned for growth.

This episode is especially helpful for pre-retirees and retirees who want to understand how to create predictable cash flow, avoid selling investments at the wrong time, coordinate withdrawals with Social Security, and make tax-smart income decisions that support confidence over the long run.

KEY DISCUSSION POINTS

• Why retirement income planning requires a different mindset than saving and accumulating.

• The emotional challenge of going from earning a paycheck to withdrawing from retirement accounts.

• Why many retirees worry less about having enough money and more about making the wrong financial decision.

• How a fiduciary financial advisor can help build a retirement paycheck strategy from savings, investments, and retirement accounts.

• The purpose of a three-bucket income plan and how it can organize retirement assets by time horizon.

• Why keeping one to three years of spending in a cash flow bucket can help reduce stress during market downturns.

• How a stability bucket can help refill near-term income needs without relying entirely on market growth.

• Why long-term growth still matters in retirement, especially for inflation protection and future income.

• How withdrawal order, Roth conversions, required minimum distributions, and Social Security timing can affect lifetime taxes.

• Why a strong retirement income plan should be consistent, tax-smart, flexible, and built to last for decades.

CHAPTERS / TIMESTAMPS

00:00 – Why Retirement Decisions Feel Real

00:45 – Turning Savings Into a Retirement Paycheck

01:48 – The Mental Shift From Saving to Spending

02:56 – Structure and Sustainability in Retirement Income

03:14 – The Three-Bucket Income Plan

04:04 – How Buckets Help Protect Income During Market Volatility

04:40 – Why Tax Strategy Matters in Retirement Withdrawals

05:11 – Roth Conversions, Social Security Timing, and Tax-Smart Income

05:37 – Building Inflation Protection Into a Retirement Paycheck

06:23 – How a Retirement Income Plan Creates Confidence

07:08 – How to Start Planning for Predictable Retirement Income

Road Rules for Retirement is for pre-retirees and retirees who want fiduciary guidance on retirement income, taxes, Social Security, and long-term planning—particularly those living in Bucks County, the Philadelphia area, and New Jersey.

Mark Fried is a fiduciary financial advisor in Newtown, PA, serving retirees and pre-retirees throughout Bucks County, the Philadelphia area, and New Jersey.

Visit Mark's website: https://plansmartandretirewell.com/

When should you take Social Security? For many retirees, the question sounds simple, but the decision can affect income, taxes, survivor benefits, and long-term retirement confidence for decades. In this episode of Road Rules for Retirement, Mark Fried explains why Social Security should not be treated as a standalone decision, but as part of a broader fiduciary retirement income plan.

Mark walks through the key factors that influence Social Security claiming strategies, including early filing at age 62, full retirement age, delayed benefits, spousal coordination, survivor benefits, tax planning, and income bridge strategies. He also shares the story of a client who claimed early and later realized the long-term impact of that decision on both his retirement income and his wife's future benefit.

For pre-retirees and retirees in Bucks County, the Philadelphia area, and New Jersey, this episode highlights why Social Security planning is about more than getting a monthly check. It is about making a thoughtful decision before you file, so your income strategy, tax plan, and retirement goals work together over time.

KEY DISCUSSION POINTS

• Why Social Security is a lifetime retirement decision, not just a monthly benefit.

• How claiming Social Security at age 62 can permanently reduce your benefit.

• Why full retirement age matters when evaluating your claiming options.

• How delaying Social Security beyond full retirement age can increase benefits up to age 70.

• Why the right Social Security decision depends on health, income needs, marital status, and the overall retirement plan.

• How Social Security claiming decisions can affect a spouse's lifetime income and survivor benefit.

• Why married couples may need to coordinate or stagger Social Security benefits.

• How taxes can affect Social Security income, including the possibility that up to 85% of benefits may be taxable.

• How IRAs, Roth accounts, investments, and savings can be used to build an income bridge before claiming Social Security.

• Why fiduciary retirement planning can help retirees make Social Security decisions with greater clarity and confidence.

CHAPTERS / TIMESTAMPS

00:00 – Why Retirement Decisions Start to Feel Real

00:45 – The Big Question: When Should You Take Social Security?

01:49 – Why Filing Early Can Create Long-Term Consequences

02:55 – Understanding Age 62, Full Retirement Age, and Delayed Benefits

04:01 – Why Married Couples Need to Coordinate Social Security Decisions

05:16 – How Taxes and Retirement Income Planning Fit Together

06:27 – Building an Income Bridge Before Claiming Social Security

07:28 – Why Social Security Planning Should Happen Before You File

08:35 – Educational Disclosure and Fiduciary Context

Road Rules for Retirement is for pre-retirees and retirees who want fiduciary guidance on retirement income, taxes, Social Security, and long-term planning—particularly those living in Bucks County, the Philadelphia area, and New Jersey.

Mark Fried is a fiduciary financial advisor in Newtown, PA, serving retirees and pre-retirees throughout Bucks County, the Philadelphia area, and New Jersey.

Visit Mark's website: https://plansmartandretirewell.com/

Many retirees believe the safest financial strategy is avoiding market volatility altogether. In this episode of Road Rules for Retirement, Mark Fried explains why that mindset can create even greater long-term risks. He breaks down the important difference between volatility and true retirement risk, showing how fear of market movement can lead retirees to lose purchasing power, limit growth, and increase the likelihood of running out of money later in life.

Using a real client story, Mark walks through how fiduciary retirement planning helps retirees create balance between growth, income, and protection. He discusses how structured retirement income planning, realistic expectations, and proper allocation strategies can help retirees stay confident during uncertain markets without making emotional decisions.

This episode focuses on helping pre-retirees and retirees understand how to manage risk instead of trying to eliminate it completely. Mark explains why a retirement plan should be designed to withstand market fluctuations while still supporting long-term income, inflation protection, and peace of mind.

KEY DISCUSSION POINTS

• Why many retirees confuse market volatility with true financial risk

• The difference between temporary market movement and permanent financial loss

• How inflation quietly reduces purchasing power over time

• Why avoiding all investment risk can create larger retirement problems later

• The importance of separating short-term income needs from long-term growth investments

• How bucket strategies can help retirees feel more confident during market downturns

• Why emotional reactions to market swings can damage retirement outcomes

• The three major retirement risks: market risk, longevity risk, and inflation risk

• How fiduciary retirement planning focuses on balancing growth, income, and protection

• Why successful retirement planning is built around confidence, structure, and long-term decision-making

CHAPTERS / TIMESTAMPS

00:00 — Why Retirement Decisions Feel More Real Than Expected

00:45 — The Difference Between Volatility and Risk

01:49 — Why Retirees Fear Market Drops

02:52 — How Inflation Creates Hidden Retirement Risk

03:37 — Why Retirement Plans Should Absorb Volatility

04:38 — Ellen's Retirement Confidence Transformation

05:12 — The Three Biggest Risks Every Retiree Faces

05:49 — Why Eliminating Market Risk Can Backfire

06:16 — The Retirement "Vehicle" Strategy Explained

06:56 — How Fiduciary Retirement Planning Creates Confidence

Road Rules for Retirement is for pre-retirees and retirees who want fiduciary guidance on retirement income, taxes, Social Security, and long-term planning—particularly those living in Bucks County, the Philadelphia area, and New Jersey.

Mark Fried is a fiduciary financial advisor in Newtown, PA, serving retirees and pre-retirees throughout Bucks County, the Philadelphia area, and New Jersey.

Visit Mark's website: https://plansmartandretirewell.com/

The years immediately before and after retirement can have a lasting impact on how successfully your retirement plan holds up over time. In this episode of Road Rules for Retirement, Mark Fried explains the concept of the Retirement Red Zone—the critical five years before and after retirement when market volatility, withdrawal strategies, and emotional decision-making can create significant financial risk.

Mark discusses sequence of return risk, why retirement income planning requires a different mindset than accumulation planning, and how retirees can structure their investments to create more stability during uncertain markets. He also explains how income buffers, flexible withdrawal strategies, and tax coordination can help retirees protect their lifestyle while still maintaining long-term growth potential.

This episode is designed for pre-retirees and retirees who want fiduciary guidance on retirement planning decisions that can affect income longevity, confidence, and financial security throughout retirement.

KEY DISCUSSION POINTS

• What the Retirement Red Zone is and why it matters

• Why the five years before and after retirement are financially vulnerable

• How sequence of return risk impacts retirement income

• The difference between accumulation investing and withdrawal planning

• Why market downturns can be more damaging during retirement

• How an income buffer can help protect retirees during volatility

• The importance of maintaining long-term growth for inflation protection

• How flexible withdrawal strategies reduce pressure during market declines

• Why tax coordination affects retirement income longevity

• How structure and planning can reduce emotional retirement decisions

CHAPTERS / TIMESTAMPS

00:00 — Why Retirement Feels More Uncertain Than Expected 00:45 — Understanding the Retirement Red Zone 01:53 — The Emotional Impact of Market Volatility Before Retirement 03:13 — Why Sequence of Return Risk Matters 04:17 — The Story of Two Brothers and Retirement Timing 05:18 — Adjusting Investment Strategy During Retirement 06:17 — Building an Income Buffer for Stability 07:28 — Creating a Flexible Withdrawal Plan 08:29 — Coordinating Retirement Withdrawals With Taxes 09:31 — Moving From Fear to Structure in Retirement Planning 10:33 — Why Having a Retirement Plan Matters More Than Market Timing

Road Rules for Retirement is for pre-retirees and retirees who want fiduciary guidance on retirement income, taxes, Social Security, and long-term planning—particularly those living in Bucks County, the Philadelphia area, and New Jersey.

Mark Fried is a fiduciary financial advisor in Newtown, PA, serving retirees and pre-retirees throughout Bucks County, the Philadelphia area, and New Jersey.

Visit Mark's website: https://plansmartandretirewell.com/

Retirement planning for couples is rarely just about the numbers. In this episode, Mark Fried explores one of the most overlooked risks in retirement: misalignment between partners. While many couples spend decades building a financial foundation together, they often fail to define what retirement will actually look like day-to-day. The result is not a financial shortfall, but a disconnect in expectations that can undermine even the strongest plans.

Mark walks through a practical, fiduciary-driven framework to help couples align their goals, spending priorities, and risk tolerance. From defining lifestyle expectations to structuring income strategies that support both partners, the focus is on building a plan that reflects real life—not averages or assumptions. This episode emphasizes that successful retirement planning requires clarity, communication, and a strategy designed to hold up over time.

KEY DISCUSSION POINTS

• Why retirement planning for couples often fails due to lack of lifestyle alignment

• The concept that every couple has "two retirements" that must be integrated into one plan

• How differing priorities—travel vs. staying home—can impact financial decisions

• The importance of structured conversations about ideal retirement lifestyles

• Aligning financial resources with both partners' goals instead of default assumptions

• How to balance spending and saving tendencies within a shared plan

• Managing different risk tolerances between spouses through income segmentation

• The role of predictable income in reducing stress and creating stability

• Why planning for "what if" scenarios strengthens both financial and emotional outcomes

• How clarity and communication lead to more confident, lasting retirement decisions

CHAPTERS / TIMESTAMPS

00:00 – Why Retirement Feels Uncertain Even When You've Saved 00:45 – The Hidden Risk: Couples Not Aligned on Retirement 02:42 – Financial Planning vs. Lifestyle Planning 03:50 – Why Every Couple Has Two Retirements 04:57 – Step 1: Defining Individual Retirement Goals 06:10 – Step 2: Aligning Finances With Both Visions 07:13 – Step 3: Managing Risk and Income Together 08:21 – Step 4: Planning for "What If" Scenarios

Road Rules for Retirement is for pre-retirees and retirees who want fiduciary guidance on retirement income, taxes, Social Security, and long-term planning—particularly those living in Bucks County, the Philadelphia area, and New Jersey.

Mark Fried is a fiduciary financial advisor in Newtown, PA, serving retirees and pre-retirees throughout Bucks County, the Philadelphia area, and New Jersey.

Visit Mark's website: https://plansmartandretirewell.com/

Many people spend decades preparing financially for retirement, but far fewer prepare for the emotional transition that comes when their career ends. In this episode of Road Rules for Retirement, Mark Fried explores what happens after the paycheck stops and why the psychological shift into retirement can be just as important as the financial planning that leads up to it.

Drawing on real experiences from his clients, Mark explains how identity, routine, and purpose are often closely tied to a career. When that structure disappears, retirees can feel uncertain about what comes next—even if their financial plan is solid. This episode discusses why retirement fulfillment depends on more than investment returns and how retirees can intentionally rebuild meaning, relationships, and daily rhythm.

Mark also introduces the idea that successful retirement requires three forms of capital: financial capital, social capital, and purpose capital. By aligning financial decisions with lifestyle goals and personal meaning, retirees can create a retirement that is not only financially secure but personally rewarding.

KEY DISCUSSION POINTS

• Why many retirees feel emotionally unprepared even when their financial plan is strong • How losing a professional identity can create unexpected uncertainty in retirement • The concept of "role loss" and why psychologists see it as a common retirement challenge • Why retirement satisfaction depends on more than financial capital • The importance of building social capital through relationships and community • How purpose capital helps retirees maintain motivation and fulfillment • Why replacing routine with a flexible rhythm can improve daily life after retirement • The role of volunteering, mentoring, and personal passions in creating meaning • How financial planning should support lifestyle goals and experiences, not just preservation of wealth • Why it is important to begin planning your purpose and lifestyle before retirement actually begins

CHAPTERS / TIMESTAMPS

00:00 Introduction: Why Retirement Decisions Feel More Real Than Expected 00:45 Retirement Planning Is About More Than Money 01:20 A Real Story: When Financial Success Doesn't Prevent Retirement Uncertainty 02:46 The Emotional Transition Into Retirement 03:20 Understanding Financial Capital, Social Capital, and Purpose Capital 03:55 Step One: Replace Routine With Rhythm 04:30 Step Two: Rediscover Your Purpose in Retirement 05:00 Step Three: Staying Social and Avoiding Isolation 05:30 Step Four: Aligning Your Financial Plan With Your Lifestyle 06:08 Why You Should Start Building Purpose Before You Retire 07:10 Finding Meaning Again Through Contribution and Mentorship 08:00 Aligning Purpose and Financial Planning for Long-Term Fulfillment

Road Rules for Retirement is for pre-retirees and retirees who want fiduciary guidance on retirement income, taxes, Social Security, and long-term planning—particularly those living in Bucks County, the Philadelphia area, and New Jersey.

Mark Fried is a fiduciary financial advisor in Newtown, PA, serving retirees and pre-retirees throughout Bucks County, the Philadelphia area, and New Jersey.

Visit Mark's website: https://plansmartandretirewell.com/

Many retirees focus on avoiding market losses, but few consider the long-term risk of being too conservative. In this episode of Road Rules for Retirement, Mark Fried explains why keeping too much money in cash, CDs, or low-yield investments can quietly erode retirement security over time. While these strategies may feel safe in the short term, inflation and longevity risk can slowly reduce purchasing power and strain long-term retirement income.

Mark walks through a practical framework for balancing protection and growth in retirement planning. Instead of relying on a single investment strategy, he explains how layered planning can help retirees create reliable income while still allowing their portfolios to grow over time. By separating short-term income needs from long-term growth investments, retirees can reduce emotional decision-making and maintain confidence through market volatility.

This episode also highlights the importance of fiduciary guidance, behavioral discipline, and structured retirement income planning. Mark shares how thoughtful portfolio design can help retirees protect their lifestyle, manage inflation risk, and ensure their savings continue working for them throughout retirement.

KEY DISCUSSION POINTS

• Why being overly conservative with retirement savings can create long-term financial risk • How inflation quietly reduces purchasing power even when markets appear stable • The difference between feeling safe and actually being financially secure in retirement • Why cash, CDs, and low-yield bonds often fail to keep pace with long-term living costs • How retirement income planning should balance protection and growth rather than choosing one over the other • The three jobs retirement savings must perform: paying income today, protecting tomorrow, and growing for the future • Why overloading the "safe" portion of a portfolio can force retirees to draw down principal too early • How a layered retirement strategy can provide both stability and long-term growth potential • The role diversification and withdrawal planning play in managing longevity risk • Why emotional investment decisions often create more risk than market volatility itself

CHAPTERS / TIMESTAMPS

00:00 Introduction: Why Retirement Decisions Feel More Real Than Expected 00:45 The Hidden Risk of Playing It Too Safe With Your Investments 01:43 How Inflation Quietly Reduces Retirement Purchasing Power 02:52 Why Stability and True Financial Security Are Not the Same 04:00 The Three Jobs Your Retirement Savings Must Perform 05:11 The Smart Safety Strategy for Retirement Planning 06:14 Why Traditional Portfolio Pie Charts Can Miss the Bigger Picture 07:17 Understanding Longevity Risk and Inflation Risk 08:21 How a Balanced Retirement Plan Reduces Fear and Regret 09:15 Designing a Retirement Strategy That Protects Income and Growth

Road Rules for Retirement is for pre-retirees and retirees who want fiduciary guidance on retirement income, taxes, Social Security, and long-term planning—particularly those living in Bucks County, the Philadelphia area, and New Jersey.

Mark Fried is a fiduciary financial advisor in Newtown, PA, serving retirees and pre-retirees throughout Bucks County, the Philadelphia area, and New Jersey.

Visit Mark's website: https://plansmartandretirewell.com/

Many people believe taxes will become simpler once they retire. In reality, retirement often introduces a new set of tax decisions that can significantly affect how long savings last. In this episode of the Road Rules for Retirement Show, Mark Fried explains why retirement tax planning is not about avoiding taxes but about managing when and how they occur.

Mark walks through the key decisions retirees face once their paychecks stop and withdrawals begin. From understanding different tax buckets to managing required minimum distributions and coordinating withdrawals with Social Security, the episode focuses on how thoughtful planning can reduce lifetime taxes and improve financial stability.

Listeners will learn how tax-efficient withdrawal strategies, Roth conversions, and proactive planning can help retirees keep more of what they worked hard to save. The conversation emphasizes a fiduciary approach to retirement income planning—one built around long-term clarity, control, and confidence.

KEY DISCUSSION POINTS

• Why retirement tax planning often becomes more complex after you stop working • The difference between taxable, tax-deferred, and tax-free retirement accounts • How required minimum distributions can increase taxes later in retirement • Why the timing of withdrawals can be more important than investment returns • The concept of a retirement "tax sweet spot" between retirement and Social Security • How Roth conversions can reduce future tax burdens and required distributions • How capital gains taxes work and why they matter in retirement planning • The relationship between retirement income, tax brackets, and Medicare premium surcharges • How coordinating withdrawals across multiple accounts can create a tax-efficient paycheck • Why retirement tax strategies should be reviewed and adjusted every year

CHAPTERS / TIMESTAMPS

00:00 Understanding Why Retirement Decisions Feel Difficult 00:45 Why Retirement Taxes Matter More Than Many People Expect 01:56 How Required Minimum Distributions Can Complicate Retirement Taxes 03:03 Why Tax Timing Matters More Than Tax Avoidance 04:20 The Three Types of Retirement Tax Buckets 05:25 Understanding Taxable vs. Tax-Deferred Accounts 06:21 What Roth Conversions Are and How They Work 07:25 Capital Gains and How They Affect Retirement Income 08:43 Required Minimum Distributions Explained 10:04 Coordinating Taxes With Retirement Income Planning 11:12 Building a Tax-Efficient Retirement Paycheck 12:21 Why Retirement Tax Strategies Should Be Reviewed Annually 13:34 The Long-Term Benefits of Proactive Tax Planning

Road Rules for Retirement is for pre-retirees and retirees who want fiduciary guidance on retirement income, taxes, Social Security, and long-term planning—particularly those living in Bucks County, the Philadelphia area, and New Jersey.

Mark Fried is a fiduciary financial advisor in Newtown, PA, serving retirees and pre-retirees throughout Bucks County, the Philadelphia area, and New Jersey.

Visit Mark's website: https://plansmartandretirewell.com/

Retirement is rarely difficult because someone failed to save. It becomes difficult because the decisions become real. In this episode, Mark Fried explains why the biggest risk in retirement is not market volatility, inflation, or even taxes—it is the loss of confidence that comes from uncertainty about how long your money must last.

Mark walks through longevity risk and why living longer than expected can quietly derail even strong retirement plans. He explains why simple rules of thumb are not a complete strategy and outlines how retirement unfolds in three distinct phases, each requiring a different income approach. From dynamic withdrawal strategies to income segmentation, this episode focuses on building a plan that evolves with you rather than locking you into rigid assumptions.

If you are approaching retirement or already retired and wondering whether your income will truly last, this episode offers fiduciary, decision-focused guidance designed to help you balance security with flexibility and live well for decades to come.

KEY DISCUSSION POINTS

• Why retirement feels harder than expected even for disciplined savers

• The difference between running out of money and running out of confidence

• What longevity risk really means for today's retirees

• Why the 4% rule is a starting point, not a comprehensive retirement plan

• The three phases of retirement: go-go, slow-go, and no-go years

• How spending patterns shift across each phase of retirement

• The concept of income segmentation using short-term, mid-term, and long-term buckets

• Why flexibility is essential in retirement income planning

• The behavioral impact of market fluctuations on retirees

• How clarity and structure create confidence and better long-term decisions

CHAPTERS / TIMESTAMPS

00:00 – Why Retirement Decisions Feel Heavier Than Expected 01:05 – The Real Risk: Losing Confidence in Retirement 03:00 – Understanding Longevity Risk and Living into Your 90s 05:30 – Why the 4% Rule Is Not a Complete Plan 07:00 – The Three Phases of Retirement Spending 09:30 – Building a Flexible Income Strategy 11:00 – Using Income Segmentation to Manage Risk 13:00 – The Emotional Side of Retirement Decisions 15:00 – Confidence Through Clarity and Structured Planning 17:00 – Turning a Portfolio into a Purpose-Driven Income Plan

Road Rules for Retirement is for pre-retirees and retirees who want fiduciary guidance on retirement income, taxes, Social Security, and long-term planning—particularly those living in Bucks County, the Philadelphia area, and New Jersey.

Mark Fried is a fiduciary financial advisor in Newtown, PA, serving retirees and pre-retirees throughout Bucks County, the Philadelphia area, and New Jersey.

Visit Mark's website: https://plansmartandretirewell.com/