When Ben started his job, the HR manager asked him how he wanted to save in the company 401(k). How do you think he made that decision? He looked around to see what everyone else was doing. When it's time for him to retire, how do you think he'll make his decisions regarding Medicare, Social Security, and withdrawals from his retirement accounts?In Retirement Talk, Sandy Morris uses her decades of industry experience to talk about "what everyone's doing" . . . and why that may not be the best move for you. For those who want to avoid retiring too early (and the subsequent "unretirement" that accompanies it) or postponing retirement past what's financially necessary, Retirement Talk addresses the various scenarios and decisions they will face. It's a comprehensive guide for how to think ahead, and hopefully for how you can get retirement right the first time.***Sandy Morris is focused on helping clients work toward their retirement dreams through a well-thought-out strategy for retirement income. She holds life, health and variable annuities licenses in multiple states and is an Investment Adviser Representative.Sandy is the host of the TV show Retirement Talk With Sandy Morris on NBC Channel 8 News, CBS 10 News, and ABC Channel 28. She has also been featured in Forbes and on WDUV, WDAE and WFLA 970.Sandy and her husband, Joe, reside in Indian Shores, Florida. In her free time, she enjoys cooking, playing the piano and fly fishing. She has one son, three step-children, and five grandchildren.