What if your retirement strategy is missing the one thing that could extend your income by years? In this episode of Retire South Florida, Joe and Julia Valenzuela tackle the realities of credit card debt, retirement planning phrases that stick, and the misunderstood world of annuities. They break down the importance of lifetime income, Roth conversions, and tax-smart strategies—backed by insights from the Wharton School of Business. Whether you're nearing retirement or already there, this episode helps you rethink how to protect and grow your financial future.

For more information, please visit ValenzuelaFinancial.com!

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