Here's a number that should change how you think about retirement: 12.

That's about how long a healthy 60-year-old has before mobility, energy, and independence begin to decline.

Let that sink in.

Too many financial plans are built around steady, flat income over 25–30 years. But real life doesn't work that way.

As Peter Richon with Richon Planning explains to Erin Kennedy, spending tends to follow a pattern:
 "Go-Go" years: Travel, experiences, living fully
 "Slow-Go" years: Less activity, more time at home
 "No-Go" years: Healthcare and essentials take priority

In fact, research shows spending on travel and leisure often peaks around age 75, then declines… not because the money is gone, but because the ability to enjoy it changes.

And here's the challenge:
Most people are wired to save and be cautious… so they underspend in the years that matter most.

 The takeaway:
Retirement planning isn't just about how much you save…
…it's about when you spend it.

To create a retirement plan and spending plan that supports the life you actually want to live, please give Peter a call at 919-300-5886 or visit www.RichonPlanning.com