Watch on YouTube: https://youtu.be/wouXHzbDYNI

CFP professionals Rob Hoxton and Archie Hoxton discuss one of the most important financial challenges retirees face: managing spending in the early years of retirement. They explain why the excitement of newly earned freedom can lead many people to overspend, treating retirement like a finish line instead of the beginning of a long financial journey.

Drawing from real client experiences, Rob and Archie break down how excessive spending early in retirement can create lasting pressure on a financial plan and limit future flexibility. The conversation covers the importance of budgeting, maintaining adequate cash reserves, avoiding debt, and staying disciplined during retirement's "honeymoon phase."

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Watch on YouTube: https://youtu.be/5uVgNKwTa0g

If something happened tomorrow… would your partner know what to do financially?

CFP Professionals Archie Hoxton and Rob Hoxton explore why both partners need to be actively involved in managing their finances—and the risks of leaving it all to one person.

They discuss the natural split of responsibilities in relationships, the importance of transparency, and simple ways couples can stay aligned. From shared visibility on accounts to tools like financial aggregators and regular "money dates," they outline practical steps to build confidence and avoid confusion if life takes an unexpected turn.

If you want a stronger financial partnership and more peace of mind for the future, this episode will help you stay informed, prepared, and protected.

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Watch on YouTube: https://youtu.be/ESx9i4upPtM

What really happens in your first year of retirement?

CFP Professionals Rob and Archie Hoxton break down one of the most important—and often overlooked—phases of retirement: the transition from earning to drawing income.

They explore the key financial and emotional challenges new retirees face, from building a sustainable income plan to avoiding common mistakes like overspending or poorly timed withdrawals. The conversation covers taxes, investment decisions, and sequence of returns risk, along with how market volatility and unexpected expenses can impact your plan early on.

If you're approaching retirement or already in your first year, this episode will help you navigate the transition with more clarity, confidence, and control.

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.