Watch on YouTube: https://youtu.be/ESx9i4upPtM

What really happens in your first year of retirement?

CFP Professionals Rob and Archie Hoxton break down one of the most important—and often overlooked—phases of retirement: the transition from earning to drawing income.

They explore the key financial and emotional challenges new retirees face, from building a sustainable income plan to avoiding common mistakes like overspending or poorly timed withdrawals. The conversation covers taxes, investment decisions, and sequence of returns risk, along with how market volatility and unexpected expenses can impact your plan early on.

If you're approaching retirement or already in your first year, this episode will help you navigate the transition with more clarity, confidence, and control.

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Watch on YouTube: https://youtu.be/Qqd8i2zItBU

CFP professional Archie Hoxton and Financial Advisor Jimmy Sutch unpack the small financial habits that can quietly derail long-term progress. They explore how everyday oversights, like disorganized accounts, unused subscriptions, and missed contribution opportunities, can add up over time.

The conversation highlights common blind spots, including neglected retirement accounts, underutilized benefits like HSAs, and the importance of maintaining an emergency fund. Archie and Jimmy also discuss why keeping estate plans and beneficiary designations up to date is essential for protecting your financial future. With practical insights and real-world examples, this episode offers a clear look at how small adjustments can lead to stronger financial outcomes.

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

CFP professionals Rob Hoxton and Archie Hoxton explore the risks of taking an "I'll just figure it out" approach to retirement planning. They break down why a clear, intentional financial plan matters, highlighting real-world examples and common missteps that can arise when planning is put on autopilot.

The conversation covers essential topics like setting realistic savings goals, making the most of different account types, and adjusting your investment strategy as retirement draws closer. Rob and Archie also address the emotional hurdles that often prevent people from confronting their financial reality, along with the potential for a "lifestyle cliff" when preparation falls short. With practical insights and actionable guidance, this episode offers a thoughtful look at how to plan ahead and build a more secure retirement.

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.