When clients sit down with us, one question comes up more than any other: “When can I retire?” In this episode of The Financial Huddle, we dive deep into the realities behind that question—why so many Americans don’t know their retirement number, why living longer makes planning more complex, and why early retirement often isn’t a choice.

Ryan also shares his personal story of being forced into “retirement” from professional baseball with the Philadelphia Phillies, and how that shaped his perspective on planning for life’s unexpected transitions.

We’ll cover:

• Why the 4% rule isn’t the full story
• Business owner exit strategies vs. W-2 employee retirement planning
• How Social Security, pensions, and annuities fit into the equation
• The importance of knowing your desired lifestyle number
• Why leaving a legacy takes just as much planning as funding your own retirement

Whether you’re 5 years or 25 years away from retirement, this episode will give you clarity, perspective, and practical steps to start answering the big question: Am I ready to retire?

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Disclosure: Information contained in this podcast is for entertainment and informational purposes only, and should not be considered as financial advice. Financial Planning and Advisory Services are offered through Prosperity Capital Advisors (“PCA”), an SEC registered investment adviser. Registration as an investment adviser does not imply a certain level of skill or training. Keystone Financial Group and PCA are separate, non- affiliated entities. PCA does not provide tax or legal advice.