What if you did everything right? Saved early. Built up millions. Played by the rules. Stayed disciplined. And then one day - after all the years of careful planning - you realize the real cost doesn’t show up while you’re working. It shows up the moment you stop. This is Brian’s story. Brian is thoughtful. Disciplined. Smart with money. And from the outside, he’s done it all the way retirement planners dream of. He’s sitting on nearly $3 million in assets. He has two pensions, solid Social Security, and a plan to retire next year. But he’s still got questions. Big ones. And beneath those questions lies a growing unease...

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