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.

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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.