Jay Kirkwood of Secure Financial Management highlights the importance of early engagement with an advisor to avoid common mistakes that can lead to significant financial consequences. He discusses the worst times to seek financial advice and shares a cautionary tale about the repercussions of poor financial decisions in retirement.

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

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