On this week’s episode:

• A market downturn at the wrong time can change retirement outcomes in ways many people don’t expect.
• In this episode, Michael Masor discusses sequence‑of‑returns risk and why shifting from accumulation to preservation matters as retirement approaches.
• The conversation covers how often to review your portfolio, why diversification and income “buckets” are critical, and the hidden risks of chasing returns.
• Michael also explains how taxes, RMDs, and Medicare surcharges can impact long‑term planning—and why delaying decisions can limit flexibility.
• It’s a practical look at turning uncertainty into a more structured, intentional retirement strategy.

Head down your Clear Path to Retirement with Michael today!