One of the biggest mistakes people make in retirement planning is treating Social Security like a guessing game.

On this episode of The Jeff Crilley Show, Jeff sits down with Matt Maresch of Ashbury Boutique Wealth Management to talk about why the decision of when to take Social Security should be built around a personalized income and expense plan, not generic advice from a neighbor or a headline.

Matt explains how risk tolerance directly shapes investment strategy, and why true diversification means more than just spreading money across a few accounts. It means building multiple solutions designed to help weather market volatility while keeping long term goals in focus.

We also discuss creative pension strategies and how thoughtful planning can dramatically change someone’s retirement outlook. Matt shares a powerful real life client story that shows what is possible when you align income planning, asset allocation, and long term care considerations under one comprehensive strategy.

Beyond retirement income, we talk about estate planning and multigenerational wealth. A strong plan does more than protect one individual. It can create stability and opportunity for an entire family.

If you are thinking about retirement, caring for aging parents, or wanting to build a legacy for your children, this conversation is packed with practical insights.

Watch the full episode to learn how a personalized, family first approach can transform your financial future.

To learn more about Matt Maresch and his team, visit www.abbwm.com.