Why I Only Work With People Who Haven’t Retired Yet

Nicholas St George |

Most people think retirement planning starts when they retire.
I think that’s way too late.

In this episode, I explain why I focus almost exclusively on people in the “Retirement Red Zone” — the 10–20 years before they stop working — and why that window is where the biggest financial decisions actually get made.

I also talk about where I’ve been during the podcast break, including rebuilding things behind the scenes, navigating the world of AI search and online visibility, redesigning the website, and learning the hard way that not every marketing company delivers what they promise.

We cover:

  • Why retirement mistakes are usually made years before retirement
  • The hidden tax traps many high earners never see coming
  • Why income planning matters more than investment performance
  • Who I work best with — and who I don’t
  • The difference between having accounts and having an actual plan

If you’re a high-income professional, executive, or business owner within 10–15 years of retirement, this episode will help you understand why the years before retirement matter far more than most people realize.

Because retirement isn’t won at the finish line.
It’s won in the years leading up to it.