After years of strong market performance, retirement confidence is rising—but is that confidence leaning too heavily on recent gains? The conversation explores why market-driven optimism can be misleading and how short-term growth doesn’t always line up with long-term retirement needs. The discussion covers volatility, income uncertainty, Social Security concerns, inflation, and why relying solely on portfolio growth may create risk later on. The focus shifts to building durability through planning, diversified income streams, and separating money meant for growth from money meant to pay the bills in retirement.

Connect with Dan & Phil at Servant Advisors Group