Is your retirement plan based on outdated assumptions—or real-world trends?

In this episode of Women’s Money Wisdom, Melissa Joy, CFP®, breaks down how retirement is changing—especially for women and Gen Xers.

From unexpected post-retirement spending spikes to the growing trend of phased retirement, Melissa shares insights on what today’s retirees really need to be thinking about.

You’ll hear why traditional assumptions about retirement may no longer apply, how inflation and rising costs are impacting timelines, and why confidence levels vary so dramatically between generations and genders.

Whether you're planning decades ahead or approaching retirement soon, this conversation will help you understand the trends, risks, and planning opportunities shaping the future of retirement.

Key Topics Covered:

• Why retirement spending often increases—not decreases—right after leaving the workforce
• The impact of inflation and rising living costs on retirement timelines
• Confidence disparities across age groups and between men and women
• Commonly underestimated costs in retirement—especially healthcare
• How phased retirement is changing the traditional retirement model
• The importance of flexible, forward-looking planning strategies

Tune in to gain valuable insights on how to build a retirement strategy that’s both realistic and resilient—regardless of where you are in your journey.

The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...