Is it really possible that 97% of Americans have to downsize their lifestyle in retirement? Unfortunately, yes—and I think that’s a problem worth solving. After decades of hard work, too many six-figure earners find themselves worrying they’ll run out of money. Even when it looks like they have enough on paper. Maybe it was the 2008 financial crisis that rewrote the rules—or maybe the game was rigged from the start. Either way, it’s gotten more complex, more confusing, and more stressful to build and preserve wealth. And there’s no do-over once the retirement bell rings. That’s where my work comes in. At Halter Ferguson Financial, we help six-figure earners and leadership teams replace fi