Saving for retirement is one thing—turning those savings into reliable income is another challenge entirely. In this episode, Brandon Bowen explains why a 401(k) is not a retirement plan by itself and why many people struggle to transition from saving to spending. The conversation breaks down common misconceptions around annuities, income planning, and portfolio design, using real‑world examples to show how different tools fit together. Brandon emphasizes education, balance, and understanding how each piece of retirement income works before relying on it long term.

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