Today’s Hack
No two retirements look the same, and often clients come in with circumstances that make a cookie-cutter plan impossible. In this episode, Phil looks at some examples of these more unique and challenging scenarios and explore the solutions you’ll need to successfully retire. If you’re looking for a one-size-fits-all retirement plan, you’re not going to find it here, and that’s a good thing.
Some couples have big age gaps. Others are retiring early and trying to figure out how to afford health insurance. Then there’s divorce, special needs planning, or deciding whether to relocate in retirement. Phil explains why personalized planning matters, and how quickly things can go sideways when your unique life factors get ignored. If your life doesn’t fit neatly into a box, your retirement plan shouldn’t either. The best outcomes happen when the plan fits you.
Here’s some of what we discuss in this episode:
⏳ How age gaps can dramatically change retirement strategy
🧾 Early retirement and the hidden cost of health coverage
💔 How divorce reshapes your income, housing, and long-term plan
🧠 Special needs planning and estate considerations
🛠️ Why no plan is truly set-it-and-forget-it
0:00 – Intro
1:10 – Age Gap
3:55 – Early Retirement
6:43 – Divorce
10:30 – Special Needs Planning
11:44 – Major Relocation
If you have any questions about what we discussed in this episode, reach out and we’ll be happy to set up a time to talk.
Get your copy of The Tax-Smart Retiree: https://www.thetaxsmartretireebook.com/welcome