Retire Ready with Nicholas Wealth 03-07-26

On this episode of Retire Ready with Nicholas Wealth, David Nicholas breaks down how taxes, Social Security timing, and income planning all play a critical role in retirement confidence. From the real impact of state and federal taxes to the complexities of claiming Social Security, David explains why small decisions can have long-term financial consequences. The conversation also explores the biggest fear retirees face — running out of money — and why hope is not a strategy. With a focus on proactive tax planning, portfolio risk analysis, and building a plan designed to last 20–30 years, this episode highlights the value of having a clear roadmap before and during retirement.