What if the biggest threats to your retirement aren’t market swings, but the surprises you didn’t plan for? In this episode of Smarter Retirement Radio, John Ripley explores the realities that shape retirement success, from unexpected expenses to the ripple effects of Federal Reserve decisions. He breaks down why dependable income matters more than account balances and how required minimum distributions can quietly reshape a retirement strategy. The conversation underscores that no two retirements look the same and why cookie-cutter approaches often fall short. Ripley also highlights the value of aligning financial decisions with personal goals, timelines, and risk tolerance, especially as circumstances change. This episode offers a practical, big-picture look at how thoughtful planning and professional guidance can help retirees navigate complexity with greater clarity and confidence.

Tune in every Saturday at 3:00 PM and Sunday at 9:00 AM ET on WORL for Smarter Retirement Radio with John Ripley.

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