What if the biggest threat to your retirement isn’t the market—but the decisions you make because of fear? On this episode from this past weekend’s radio show, Jon Hicks discusses why market forecasts can be distracting, the challenges of market timing, and the importance of building a retirement strategy around income, protection, and tax efficiency. He also explores the psychological side of retirement, explaining why even financially successful retirees can struggle to spend with confidence. Plus, learn how tax planning and asset placement can play a role in preserving flexibility throughout retirement.

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