Is your retirement confidence built on real planning—or just a strong market streak? On this episode, Steve Anzuoni breaks down why rising market gains can create a false sense of security without a written income plan. He explains the difference between saving for retirement and planning real retirement income, highlights the risks of market timing and sequence-of-returns, and discusses how fees, diversification, and cash-flow strategy impact long-term outcomes. The conversation centers on building clarity through numbers you can actually see, feel, and rely on—so confidence comes from preparation, not guesswork.

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