Your retirement spending isn't a straight line—it’s a smile. Join Jay Kirkwood from Secure Financial Management as he reveals why your expenses may peak at the start and end of retirement, creating a unique "spending smile" that requires strategic planning. We tackle the anxiety of outliving your money, the "whack-a-mole" complexity of Social Security timing, and the rising reality of "emergency retirements" triggered by AI and downsizing. Learn how to bridge the healthcare gap before Medicare and balance growth with risk to ensure your financial plan survives the bumps in the air.

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To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com

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