Is your retirement portfolio built for the next market crash—or are you risking too much in the “trap zone”? This episode of The Retirement Paycheck Show with Steve Standley explores why the five to ten years before and after retirement are critical for dialing back risk, building a reliable income floor, and ensuring your plan can adapt to life’s surprises. Learn how to assess your true risk tolerance, diversify wisely, and avoid DIY mistakes. Discover why working with an experienced advisor and having a written, flexible plan is key to retiring.

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