Most people don’t realize their biggest financial risk isn’t the market—it’s making decisions without a plan. On this episode, David Gagnon breaks down why investing first and planning later can quietly derail retirement confidence. The conversation explores blind spots in retirement planning, the difference between tax deferral and tax strategy, and how guaranteed income sources shape real-life spending behavior. Through real client scenarios, the discussion highlights how clarity, stress-testing, and independent planning help remove emotion from financial decisions and bring structure to an otherwise uncertain future.

Why Market Losses Feel Bigger After You Retire
14:15

The Hidden Risk of Relying on the Market for Your Retirement Paycheck
17:20

When Market Timing Turns Retirement into a Gamble
15:41