You've spent decades saving for retirement, but are you about to make the same mistakes thousands of retirees only spot when it's too late? In this episode, I walk through the five biggest regrets I see in my work as a retirement planner, and exactly what you can do right now to avoid them.

Tune into this episode to find out:

(01:14) Regret #1 – Claiming Social Security too early costs you

(01:44) Early claiming locks in a permanent 30% benefit cut

(02:49) How claiming early closes your Roth conversion window

(04:12) Regret #2 – Playing it too safe with your investments

(06:43) Using the bucket system to balance safety and growth

(08:37) Regret #3 – Not spending enough early on

(11:06) Regret #4 – Putting off tax planning until it's too late

(12:14) How RMDs, Social Security taxes, and IRMAA blindside you

(13:46) Regret #5 – Juggling too many accounts and strategies

(14:30) Why simplicity leads to clarity and lasting retirement confidence

👉 Work With Us: https://www.rivertreewealth.com/get-started

✅ Get your Important Numbers 2026 PDF here: https://www.rivertreewealth.com/2026-important-numbers

Email: jacob@rivertreewealth.com

Website: https://www.rivertreewealth.com

LinkedIn: https://www.linkedin.com/in/jacobduke

Jacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of the Retirement Answers podcast.

DISCLAIMER: This should not be taken as tax, legal, or investment advice. All content is for educational purposes only.