Ep. 206 Dear Patti: The Four Seasons of Retirement

In this episode, Patti walks through the complete retirement checklist available on the Key Financial website, using the seasons framework to help you think ahead, not react later. She covers: Why the "winter before freshman year" is the most critical planning window before you retire The pools of money strategy and how it protects you from having to sell investments at the wrong time The Goldilocks tax zone in the middle years and why Roth conversions and capital gains harvesting can be game changers The unpredictable "fall" season, from cognitive health to housing decisions to cybersecurity threats What living solo looks like financially, and why pension elections and updated estate documents can change everything.