Is your retirement nest egg a cohesive plan or just a pile of statements? Many retirees are blindsided by unexpected tax bills and the "sequence of returns" risk that can devastate a portfolio in its early years. In this episode, Curtis James breaks down why retirement requires a total shift in strategy—from wealth accumulation to smart distribution. Learn how to navigate RMDs, explore the "three-bucket" approach to market volatility, and discover why specific types of annuities might outperform traditional withdrawal rules. Turn your savings into a reliable, tax-efficient paycheck for life.

Visit Bear Market Financial Services to begin building your retirement plan today!