Three Retirement Decisions That Turn the Fourth Quarter Into Overtime

The Final Stage of a Retirement Plan: three decisions on spending, protection and health once the paycheck stops

Chris Maduri has spent nearly two decades getting people ready for retirement, and he argues the last stretch goes badly for those who prepared only the money. Most plans are built to preserve a balance, when the real job in the final stage is deciding how much to enjoy now, what the money still has to protect against, and how much belongs in health and energy so the plan actually gets used. He walks through those three calls in order, why each gets harder once the paycheck stops, and what it costs to leave them unmade. Across 15 years working with about 70 insurance companies, he can say which structures leave room for that spending and which lock people out of their own money. Listeners leave knowing which of the three they have already answered, and which one is quietly costing them time.

About Chris Maduri

Chris Maduri, podcast guest

Retirement & Life Transitions Expert

Nearly 20 years Helping people prepare for retirement4 Pillars of sustainable retirement planning3 Buckets in his wealth-building approachSales Director Named by Financial Marketing Group in 2013

Chris Maduri has spent nearly two decades helping people prepare for more than retirement - he helps them prepare for the life that comes after work.

Because retirement isn't simply the day the pay cheque stops.

It can change your identity, your marriage, your relationship with your time, your health, your family and your sense of purpose. And Chris believes that's the part of retirement planning most people don't talk about.

Chris began his career just before the 2008 Financial Crisis, an experience that fundamentally shaped how he thinks about risk. Watching carefully constructed plans come under pressure taught him that assumptions can fail - and that a retirement plan needs to work in the real world, not just on paper.

But after nearly two decades in the industry, Chris has come to see that financial preparation is only one part of the equation.

The bigger question is: What are you actually retiring to?

Chris describes retirement as the "fourth quarter of life" - and, if you've done things right, a little overtime.His work explores what it takes to make that chapter meaningful: having financial confidence, maintaining your health, protecting the people you love, staying connected to a sense of purpose and knowing how you want to spend the years you've worked so hard to create.

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