What if the biggest threat to your retirement isn’t the market—but the assumptions you make about it? In this episode, Raj Shah and Rick Borek break down why emergency funds, Social Security timing, and portfolio risk aren’t one‑size‑fits‑all decisions. They explore real stories of people questioning when to retire, how much cash to keep, and whether they’re truly prepared for downturns. You’ll hear why market cycles vary, how guaranteed income strategies can help stabilize retirement plans, and why personalized analysis beats rules of thumb every time.

For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com

Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner.