What if the biggest risk in retirement isn’t the market, but the unknowns no one stress-tests? In this episode of Navigate Your Financial Future, Todd Kim unpacks why many retirees prioritize consistency, protection, and predictable income over chasing returns. Drawing on recent retirement research and real-world planning scenarios, the conversation explores withdrawal strategies, stress testing income, tax surprises, and the psychological side of spending in retirement. The discussion also looks at why rules of thumb can fall short, how fear shapes financial decisions, and why a team-based approach matters when life events and market changes collide.

For more information and to schedule a complimentary consultation with Todd Kim, visit https://galileowealth.com.