How a Financial Consultant Helps You Plan a Debt-Free Retirement
Most people over 65 get Social Security, but benefits average about $1,976 per month in 2025. Yet healthcare and daily costs still add up fast. In 2022, Medicare beneficiaries spent about $6,330 out of pocket on care. So planning matters. With help from a financial consultant Ormond Beach, my path to a debt-free retirement looks clear. Moreover, the steps feel practical. And they fit real budgets. This guide shares how a consultant turns big goals into a simple plan. It also shows how better money habits reduce stress. Finally, the plan centers on action because action builds freedom.

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