Retiring before 65 can be financially achievable—until health insurance becomes the wildcard. Zach Morris sits down with Cole Craven of Move Health to break down the real options for early retirees: COBRA, Affordable Care Act (ACA) marketplace plans, retiree health coverage, off-marketplace private plans, and healthcare sharing programs. They unpack how income drives ACA subsidies through MAGI, why the 400% federal poverty level "cliff" matters, and how cost-share reductions can lower deductibles and out-of-pocket exposure. If you're within a few years of retirement, this episode helps you plan ahead with clarity.

For your custom healthcare analysis, send an email to: connect@pacesferrywealth.com

Learn more about PacesFerry Wealth Advisors: https://info.pacesferrywealth.com/learn-about-us

Download "Retirement by Design": https://www.wealthbeyondwork.com/retirement

In this crossover episode from our YouTube channel, Zach Morris breaks down how smart tax planning, strategic IRA withdrawals, and Social Security claiming decisions can dramatically impact your retirement income. He walks through qualified distributions, Roth conversion strategies, Social Security timing, and spousal benefit coordination, showing how intentional choices today can have the potential to reduce future taxes and increase long-term confidence. By understanding these moving pieces before retirement, you can avoid costly mistakes and create a clear, sustainable plan for the decades ahead.

Download your free 20-page guide "Retirement By Design": https://www.wealthbeyondwork.com/retirement

Learn about how to work with Paces Ferry Wealth Advisors: https://info.pacesferrywealth.com/learn-about-us

Retirement coach Joe Casey joins host Zach Morris to explore what truly drives fulfillment after leaving full-time work. Drawing on decades of executive coaching and gerontology research, Joe outlines the four core pillars—health, relationships, lifelong learning, and fun—that shape a meaningful next chapter. He shares common mistakes, insights from his coaching practice, and why experimentation is essential before and after retirement. Joe also discusses phased retirement, identity shifts, and how to design a purpose-driven "portfolio life." A concise, practical conversation for anyone preparing for their next stage.

Get in touch with Joe: https://www.retirementwisdom.com/

Email: joec@retirementwisdom.com

Download your Guide: "Retirement By Design" : https://www.wealthbeyondwork.com/retirement

Learn how to work with Paces Ferry Wealth Advisors: https://info.pacesferrywealth.com/learn-about-us/