What if the biggest retirement risks aren’t market crashes, but the decisions you make just before retirement?

Financial advisor Nolan Baker explains why the five years leading up to retirement can be critical for protecting your nest egg. He discusses sequence of returns risk, when target-date funds may need a second look, how annuities can fit into an income strategy, and why a coordinated retirement plan matters. The conversation also explores Social Security timing, using savings to bridge income gaps, healthcare and tax considerations, and ways to create a smoother, more predictable retirement journey without relying on guesswork.

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