What if the biggest risk to your retirement isn’t the market but the way your money is positioned? 
In this premiere episode of Reeling in Retirement, Kip Hutto shares the personal story that shaped his four decades in financial services and explains how emotional investing, hidden risk, and misunderstood diversification can quietly derail long-term plans. The conversation covers real-world examples of overlapping portfolios, risk tolerance mismatches, and why “having money in multiple places” doesn’t always mean balance. Kip also discusses income planning, Social Security concerns, and the importance of understanding how your assets are meant to work together as retirement approaches.

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