What happens if retirement begins just as the market takes a downturn? Steve Anzuoni discusses why retirees need more than portfolio growth—they need a strategy for reliable income and cash flow. The conversation explores proactive planning, sequence-of-returns risk, guaranteed income sources, evolving annuity options, and the importance of creating financial “buckets” for different goals. Steve also shares real client examples and explains why retirement planning isn't just about money, but also preparing for the lifestyle changes that come with leaving the workforce.
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