I'm a Financial Planner: This Is Why a Sounding Board Is as Important as Hitting Your Savings Goal (And It's Never Too Late to Seek Guidance)

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We spend a lot of time talking about how much money you need to retire. Savings targets, withdrawal rates, investment strategies. All important.

But there's another factor that doesn't get nearly as much attention, and in many cases, it plays just as big a role in retirement outcomes.