Trying to time the market during wild swings can feel tempting—but for retirees, it can quietly do real damage. On this episode of The Retirement Results Podcast, Dan Groben and Phil Menard break down why missing just a handful of key market days can derail long-term returns, especially when withdrawals begin. They explain sequence of return risk, the importance of proper asset allocation, and why income planning changes how retirees should think about volatility. The conversation also turns to “paper millionaires” and how selling a business or property can trigger unexpected tax shocks without advance planning.

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