What if the biggest risk to your retirement isn’t the market, but your timing?
In this episode of Aspire to Retire, Ralph and Tim Short take a practical look at the decisions that shape the years leading up to retirement. They explore why cash reserves matter more than many people realize, how delaying retirement can change the entire picture, and where key windows of opportunity often appear and disappear, along the way. The conversation also touches on navigating market volatility and why a one-size-fits-all approach can leave gaps in even the most carefully built plans. With real-world context and thoughtful insights, Ralph and Tim break down what it means to create a retirement roadmap that aligns with your goals, your timeline, and the realities of an unpredictable market.

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