“Is debt quietly sabotaging your dreams of retirement?” Join Brad Ford as he peels back the layers on what keeps most Americans from saving for the future—including invisible pitfalls like procrastination, skyrocketing inflation, and the surprising impact of small financial missteps. Discover which debts may help or hinder your goals, the overlooked benefits of proactive planning, and why a few missed deadlines can cost thousands in the long run. This candid conversation explores the real-life challenges and untold stories facing retirees—offering insights to help protect what matters most without giving everything away.

To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/

Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.