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What’s the real difference between what you need and what you want in retirement? In this episode, Ralph and Tim Short dive into the essentials of building a retirement plan that works for you. They break down Required Minimum Distributions (RMDs), explore how to prepare for life’s unknowns, and explain why estate planning isn’t just for the wealthy—it’s for peace of mind. Whether you’re nearing retirement or just starting to think ahead, this conversation offers practical insights to help you create a roadmap that balances security with flexibility. Join the Short's for the First Friday Happy Hour. Register now at Welcome Home FP Events (https://welcomehomefp.com/events/#pag...) . Learn more about us online (https://welcomehomefp.com/) and check out our blog here. (https://welcomehomefp.com/retirement-...) You can also follow us on Facebook ( / welcomehomefp ) , YouTube ( / @welcomehomefp ) , Instagram ( / welcomehomefp ) , LinkedIn ( / welcomehomefp ) , and Twitter/X ( / welcomehomefp ) . See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.