Strong market gains can create confidence—but confidence alone doesn’t pay retirement bills. Gary Garner, joined by Vicki Miller, explains why retirement success isn’t about average returns or market headlines, but about income reliability, timing, and managing risk as you approach retirement. He breaks down how market losses and inflation can hit hardest right before and during retirement, why compounding works differently once you start spending, and how balancing growth with preservation can help support long-term living expenses. This episode focuses on practical planning considerations for navigating volatility while preparing for a sustainable retirement.

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