A market drop right before retirement can change everything if you don’t know the risk you’re really taking. In this episode, Evan Ward explains why many pre‑retirees are far more exposed to volatility than they realize—and how concentrated portfolios, especially in tech, can quietly undermine retirement timing. The conversation explores income planning, the dangers of reacting to headlines, and why building a stable foundation matters more than guessing the market’s next move. Evan also discusses why retirement planning works best as ongoing collaboration, not last‑minute emergency decisions.

Ready to build your retirement plan? Visit https://atlasretirement.net/ to connect with Evan and his team today!