What changes when retirement shifts from saving money to using it? Amy Ross explains why investing before retirement and investing during retirement follow completely different rules. From sequence-of-returns risk to income planning and risk management, this episode breaks down how portfolios need to evolve once withdrawals begin. It’s an inside look at why time horizon alone doesn’t define strategy—and why understanding the job your money has to do is essential.

Amy Ross and the team at Gold Shield Wealth are dedicated to helping adults plan for and manage the hurdles they may face on their journey to retirement. For more information and to schedule your initial no-cost consultation call 843-585-5223 or visit GoldShieldWealth.com!