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What if the biggest risk to retirement isn’t the market, but the decisions made right before leaving work? This episode breaks down why the five years leading up to retirement can quietly shape decades of income, taxes, and healthcare costs. Nolan Baker and Scott Kerschner walk through key planning topics, including identifying income gaps, Social Security timing, managing taxes across different accounts, and protecting against early market downturns. The conversation also covers Medicare enrollment pitfalls, lifelong penalties, and why a written retirement income strategy brings clarity to an otherwise complex transition. A practical discussion for anyone approaching retirement and trying to make sense of how the pieces fit together.

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We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.

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