What if the biggest risk in retirement isn’t the market, but relying on outdated strategies? Steve Hoyl discusses retirement planning “expiration dates,” including why rules like the 4% withdrawal strategy and one-size-fits-all risk formulas may no longer fit every retiree. The conversation explores the importance of income planning, coordinating financial decisions as a couple, preparing for unexpected life events, and aligning retirement goals with the experiences that matter most. From avoiding financial guesswork to creating meaningful memories, this episode highlights the personal and practical side of retirement planning.

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