What happens when your retirement plan shows you'll run out of money? In this episode, Bill Kearney and John Foard, CFP® introduce "The Red Line"—the point where your assets can no longer sustain your lifestyle—and explain why traditional financial plans miss this danger zone.We cover:

• Why "spend less" and "get higher returns" aren't real solutions
• How tax optimization can add years (or decades) to your retirement runway
• The multi-generational tax problem most people don't see coming
• Real case study: How one couple went from running out at 86 to leaving $3M to heirs

Timestamps01:15 - What is the Red Line and why it matters03:58 - Why traditional financial plans miss this danger zone08:28 - The hidden problem when you DON'T have a Red Line11:03 - The 9-to-Know diagnostic tool (free retirement checkup)16:11 - Real case study: Solving a Red Line problem with tax optimization✅ Get your free 9-to-Know assessment at https://crownadvisorgroup.com/Crown Advisors specializes in retirement income planning and tax optimization strategies that help retirees avoid running out of money while minimizing lifetime tax burdens.🔔 Subscribe for weekly retirement planning insights#RetirementPlanning #RetirementIncome #TaxOptimization #FinancialPlanning #RedLine