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If you’re approaching retirement and consider yourself part of the middle-income cohort, the decisions you make in the next few years can significantly impact your financial future In this video, we discuss the three critical retirement decisions many middle-income households face — especially for individuals whose wealth is largely tied up in home equity rather than liquid financial assets. Topics covered include: • When to claim Social Security • How long to continue working before retirement • Whether and how to tap into home equity • The realities facing many middle-income retirees • Practical retirement planning considerations Research shows that for many households aged 55–64, a large portion of their net worth is held in non-financial assets such as housing, which makes these decisions even more important. Understanding these factors can help you make more informed choices about income planning, housing, and long-term financial security in retirement. If you found this helpful, be sure to like, subscribe, and share with someone who may benefit. For personalized financial guidance: SVP Financial Strategies