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The three most important words for a robust retirement: save, save, save! But to make your retirement years truly golden years requires a plan to handle the unexpected. Joe and Al discuss the X-Factors that can make or break your retirement.

1. Healthcare Costs
2. Forced Early Retirement
3. Social Security
4. Emotional Investing
5. Long-Term Care

About the Hosts

Joe Anderson



As President of Pure Financial Advisors, Joe Anderson has led the company to achieve over $2 billion in assets under management and has grown their client base to over 2,160 in just ten years of the...

Alan Clopine



Alan Clopine is the CEO & CFO of Pure Financial Advisors. He currently shares the CEO role with Michael Fenison, the original founder of the company. Alan is primarily responsible for the day-to-day activities of...