Your portfolio can become riskier without you lifting a finger—a phenomenon known as "portfolio drift." In this look-back at 2025 and forecast for 2026, Alan Cohen explains how three years of double-digit returns may have left you overexposed to market volatility. We explore the "super catch-up" contributions for those 60–63, the new $12,000 senior tax deduction, and why sticky inflation makes "safe money" strategies like buffered investments and protective growth annuities more attractive than ever. It is time to rebalance, de-risk, and ensure your income lasts as long as you do.

To learn more about Alan and the team at Spectrum Wealth Partners, go to www.spectrumwp.com.