What if the biggest risk in retirement isn’t market crashes—but playing it too safe? On this episode Eric Hutter breaks down why a single “safe” withdrawal number can lead to unnecessary underspending. He explores flexible income strategies, guaranteed income buckets, tax considerations, and why preparation matters more than predictions. With real-world perspective from decades in the industry, Eric explains how retirees can navigate market swings, interest-rate headlines, and long retirements with a clearer income plan designed for real life—not just theory.

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