Answering your top financial questions for the past 20 years, it's Hanson McLean's Money Matters.

Welcome to Hanson McLean's Money Matters. I'm Scott Hanson.

I'm Pat McLean. Thanks for joining us.

That's right. Glad you are with us on this weekend, both myself and my co-host here, Pat.

We are both practicing financial advisors. We meet with people like yourself throughout the week,

helping them plan their financial future,

and we come here on the weekends to be your financial advisor on the air.

So whether you have advisors you're working with now,

or you just are looking for some more information,

or you're just driving around and you're wondering,

what's this radio program about?

We are glad you are here.

And we've got a great program today.

It's a place for your financial questions.

First opinions, second opinions, third opinions.

We talk about things financial, and a lot of it has to do with retirement issues

as kind of preparing for some financial independence so that retirement can be an option for you.

Work is a choice and not an obligation.

And for many people, they move into the retirement realm much sooner than they anticipated.

Matter of fact, Pat, a study showed that 58% of Americans, that's roughly one out of two of us, will retire earlier

than we had planned because some outside forces. Job change, health issue. Yeah. The number,

the two bigger issues. We all know somebody that has had to retire because they got something

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