Market swings can feel like a roller coaster, especially when retirement is closer than it used to be. In this episode, Kelton breaks down why volatility hits harder for pre‑retirees and how smart planning can help steady the ride. He explores practical strategies for managing risk, diversifying beyond Wall Street, and understanding where tools like structured notes, fixed index annuities, and bonds really fit into a modern portfolio. If you’re searching for clarity on growth, risk, and retirement readiness, this conversation offers grounded insights to help you think more confidently about your financial future.

Click here to schedule an appointment with Kelton and his team or call 724-766-8853.

Listen to Kelton every Saturday at 10:30 AM on WJAS.