Post by Danielle Page, CFP®

"I'll figure that out closer to retirement…" is a thought many people have at some point. And on the surface, it feels reasonable. Spending patterns begin to set expectations. Investment decisions start to influence how future income will behave. Tax exposure evolves as different accounts grow in different ways. And over time, the structure that will eventually support retirement is quietly being built. The longer decisions are delayed, the fewer options there tend to be. Adjustments become more reactive, and flexibility starts to narrow in ways that aren't always obvious until later. https://lnkd.in/ehkYtg3d ​