With record market highs and mixed economic headlines, retirees face a growing disconnect between Wall Street momentum and real-world financial security. Financial advisor Curtis James of Bear Market Financial Services explores how shifting market dynamics impact retirement planning. The episode covers critical portfolio reviews, common tax traps like Roth conversions, required minimum distributions (RMDs), and IRMA penalties. Additionally, Curtis breaks down the pros and cons of drawing down 401(k) accounts early to delay Social Security, helping listeners align their investments with long-term goals without taking unnecessary risks.

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