Is it ever too late to start planning for retirement?
And what happens if you wait too long?
In this episode of Aging Smart, Elder Law Attorney Sean W. Scott, Esq. sits down with Amy Powell of AimWell Financial to discuss the critical steps people should consider as they approach or enter retirement—and why taking action now can make a meaningful difference compared to waiting until "later."
We explore:
• Whether it's too late to start planning if you're already near or in retirement
• The difference between taking action early vs. delaying decisions
• Practical initial steps to get started early vs. delaying decisions
• Practical initial steps to get started, even if planning feels overwhelming
• Common psychological barriers to retirement planning-and how to overcome them
• Understanding your risk tolerance and why being too conservative can sometimes work against your long-term goals, even as you age
Many people assume that getting older means automatically shifting everything into ultra-conservative strategies. In reality, every individual has a unique risk tolerance, and being overly cautious may increase the risk of outliving assets or missing opportunities for stability and growth. This conversation is designed to help you feel more confident, more informed, and more empowered— whether you're just starting to think about retirement or realizing it's time to revisit your plan.
This episode is for you if you're asking:
• "Did I wait too long to plan?"
• "Where do I even start?"
• "How much risk is appropriate at my age?"
Planning doesn't have to be perfect-it just has to start.
Guest: Amy Powell, AimWell Financial, aimwellfinancial.com, (727) 335-1874
Host: Sean W. Scott, Esq. - Elder Law Attorney Scott Law Offices WLAW PA ... See MoreSee Less

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