Market swings may grab headlines, but the real retirement risk often shows up quietly. On this episode, Steve Anzuoni explores why many near-retirees feel less confident despite strong markets, and why relying solely on a growing 401(k) can be misleading. The conversation covers shifting from accumulation to income planning, the role of rebalancing, rising healthcare costs, and why flexibility matters as retirement approaches. Steve also explains concepts like in‑service distributions and guaranteed income tools, helping listeners rethink how their savings may function once paychecks stop.
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