Many people hesitate to work with a financial advisor, thinking they need to be wealthier first. In this episode of "Retirement Decoded by Money Pickle," host Steve Coughran and guest Nick O'Kelly, Lead Advisor at Cadence Wealth Partners, discuss why that’s a costly mistake. They explore the top three financial mistakes people make that delay their financial freedom and how working with an advisor can help avoid them. From waiting too long to seek advice to not aligning your investment strategy and neglecting tax optimization, they cover it all.

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