What happens when retirement meets real life: healthcare costs, market moves, and the fear of spending what you saved? In this episode of The Retirement Playbook, Rick Hughes digs into the everyday decisions that quietly shape retirement outcomes. The conversation covers open enrollment timing, planning for surprise expenses, and why fixed income strategies play a central role as paychecks fade away. He also explores how rising healthcare costs and long-term care considerations factor into long-range planning, along with the ripple effects of Federal Reserve policy on retirees and near-retirees. Along the way, Rick addresses a common concern many retirees face: balancing confidence with caution when it comes to spending savings. The discussion centers on thoughtful preparation, clear priorities, and building a retirement plan that reflects real-world needs rather than assumptions.

Hit play to discover what your financial advisor should be telling you. For events and complimentary consultations, visit hughesretirementgroup.com.

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