What if your retirement plan was technically perfect… right up until life happened? You saved consistently. You paid off the house. You timed Social Security just right. You checked every box your advisor told you to check. Then, a $20,000 expense comes out of nowhere, and suddenly you’re wondering if the whole plan still works. It’s not a hypothetical. It’s real... And it happens more often than people think. Recently, we had a call with a retiree who found himself in exactly that position. Let’s call him Frank. Frank isn’t reckless. He’s a meticulous planner. He worked hard, built a pension, paid off his mortgage, and had a well-thought-out plan for the next phase of life. Then, a hidden crack in his HVAC system forced him to replace the entire unit - something he hadn’t budgeted for, and definitely wasn’t excited to fund...

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