Market swings, inflation, and global uncertainty are making many near-retirees uneasy about the savings they’ve worked decades to build. On this episode, Raj Shah and Rick Borek discuss why retirement plans must account for volatility—and how today’s high fixed-income rates are reshaping income strategies. The conversation explores balancing growth with reliability, building predictable income, and avoiding common mistakes like sitting entirely in cash or CDs. If you’re approaching retirement, this episode breaks down how thoughtful planning can shift the focus from market noise to long-term confidence.

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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.