What does it take to create a retirement that’s both secure and stress-free? In this episode of The Golden Hour, Liz Keller sits down with Matthew Richman (RICP®, CFF®, CAS®, NSSA®), founder of Iron Point Retirement Solutions, to explore the strategies every family needs when planning for retirement.

Matthew shares how his grandparents’ financial struggles during the 2008 recession inspired his mission to help others avoid similar mistakes. Together, Liz and Matthew cover:

• Why guaranteed income beats assets in retirement
• How to avoid the “tax torpedo” that surprises so many retirees
• The importance of Social Security optimization and claiming strategies
• Practical approaches to long-term care planning
• How legacy planning can multiply what you leave for your loved ones

Whether you’re preparing for your own retirement or helping a parent make the transition into senior living, this conversation will give you the tools and insights to protect your financial future.