Whether you’re a Baby Boomer at the finish line or a Gen Xer just starting to plan, the road to retirement is paved with complex questions about taxes, risk, and longevity. On Retirement Simplified, Curtis James of Bear Market Financial Services demystifies the transition from "growing wealth" to "living wealth." From debunking the 4% rule to navigating "naughty" words like annuities and Roth conversions, this episode explores how to build a resilient, multi-sourced income plan. Learn why your portfolio needs a "spending plan"—not a budget—to ensure you’re creating memories instead of just death benefits.

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