Wondering if you should retire early or keep working longer? In this episode of “The Perfect Retirement Plan?”, Phillip explores both options. Uncover hidden costs like health care gaps and potentially reduced Social Security benefits, and learn how working longer can boost financial security. Phillip also shares tips on maintaining purpose and community through passion projects, social connections, and meaningful pursuits beyond your career.

Discover how to align your retirement timeline with personal values like freedom, fulfillment, and security. Whether you crave morning coffees in your bathrobe or a few more years of professional growth, this conversation helps you decide. Phillip’s insights cover compounding growth, Social Security strategies, health care considerations, and designing a vibrant post-work life. If you find value here, subscribe and turn on notifications to stay connected! Let’s see if early retirement is truly worth it—or if extending your career could open doors to higher benefits, stronger finances, and deeper purpose.

Each scenario carries financial risks and lifestyle rewards—what matters is finding the balance that fits you best. Phillip helps you weigh your unique goals and budget. Tune in for a fresh perspective on a retirement plan that resonates with your vision.

#retirementplanning #financialadvice #retirementadvice #financialplanning #whentoretire #retireearly #retirewithpurpose #retirementaccounts #PERS #pension

Thanks for tuning in to this episode of The Perfect Retirement Plan, and remember: it's not about having the smartest financial advisor, the most money saved, or the highest probability of retirement success. The perfect retirement plan, for you – is the one you act on.

Phillip Smith, CRPC AIF | Financial Planner
Tidepool Wealth Strategies
450 Country Club Road, Suite 350 | Eugene, OR | 97401

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Additional Disclosures:
The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Advisor Networks LLC cannot guarantee or represent that it is accurate or complete.
All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.

Join financial planner Phillip Smith in this episode of "The Perfect Retirement Plan?" as he dives into the crucial topic of retirement income sources. Whether you're a late-career professional nearing retirement or just planning ahead, this episode is packed with invaluable insights.

Discover various income streams that could support you in retirement, including Social Security, pensions, rental income, annuities, and personal retirement savings accounts like 401(k)s and IRAs. Phillip breaks down the pros and cons of each source and shares strategies for combining them to create a stable and fulfilling financial future.

Learn from real-life stories of retirees who have successfully navigated their post-work income and listen in as Phillip explores how income diversification can enhance your financial security. This episode is a must-listen for anyone looking to understand where their retirement income will come from and how to plan effectively.

Don't miss the action steps provided at the end of the episode, designed to help you assess and plan your own retirement income strategy. Subscribe to our channel for more expert advice on making your retirement as rewarding as your career.

#Retirementplanning #retirementincome #SocialSecurity #pensions #PERS #annuities #financialplanning

Thanks for tuning in to this episode of The Perfect Retirement Plan, and remember: it's not about having the smartest financial advisor, the most money saved, or the highest probability of retirement success. The perfect retirement plan, for you – is the one you act on.

Phillip Smith, CRPC AIF | Financial Planner
Tidepool Wealth Strategies
450 Country Club Road, Suite 350 | Eugene, OR | 97401

____________________________________________________________________________________________
Additional Disclosures:
The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Advisor Networks LLC cannot guarantee or represent that it is accurate or complete.
All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.

In this episode, "What’s the Best Way to Create a Personalized Retirement Strategy?" we explore how to build a tailored retirement plan that aligns with your unique goals, lifestyle, and values. Tailoring your retirement strategy is crucial for late-career professionals who seek peace of mind regarding their financial future.

A one-size-fits-all approach simply doesn't work when it comes to retirement, and this episode dives into key areas of personalization. Learn how to strategize income planning that suits your desired retirement lifestyle, taking into account inflation and healthcare costs. We also discuss the importance of balancing your investment portfolio as you transition into retirement, with a focus on tax-efficient strategies.

Gain insights into how to plan for potential healthcare needs, long-term care, and legacy planning, while ensuring your retirement income lasts. Practical tips are shared, including how to track your spending, create a lifestyle budget, and review your investments as part of your personalized retirement map. We also highlight the value of consulting with a financial advisor to stay on track and adjust as needed. Whether you’re navigating complex financial decisions or seeking guidance for a confident retirement, this episode equips you with the tools to create a strategy that's built just for you. Tune in for actionable insights and expert advice.

#RetirementPlanning #RetirementStrategy #FinancialAdvisor #InvestmentTips #TaxPlanning

Thanks for tuning in to this episode of The Perfect Retirement Plan, and remember: it's not about having the smartest financial advisor, the most money saved, or the highest probability of retirement success. The perfect retirement plan, for you – is the one you act on.

Phillip Smith, CRPC AIF | Financial Planner
Tidepool Wealth Strategies
450 Country Club Road, Suite 350 | Eugene, OR | 97401

____________________________________________________________________________________________
Additional Disclosures:
The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Advisor Networks LLC cannot guarantee or represent that it is accurate or complete.
All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.