This week’s show begins with a conversation about the type of client-centric, non-self-serving advice Scott and Pat provide. This is followed by a series of callers that begins with a question about Social Security and “file and suspend.” Simply, where did it go? Next, a caller who has saved almost $2 million, but feels, based on his lifestyle, that it might not be enough. The episode culminates with a visit from 20-year HMA advisor, our Chief Investment Officer, David Schauer, who checks in with an interesting client story about health savings accounts and IRAs.