Retirement concerns for most people tend to center on health, and fear of outliving their savings. Which are in many ways intertwined. For example, your health plays into how long you can work, how much you'll need to spend on insurance and medical care, where you can live, and your quality of life in retirement.  And keep in mind Inflation often called the "quiet killer" of retirement. Over time, prices rise, making your money less valuable. These challenges and more are made even more complicated by taxes. John Watson, from dpl Financial Partners, returns to share his holistic approach to creating a plan that might help you avoid unpleasant surprises in the future.

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