Ryan and Andrew discuss an article they recently read. A reader had a question about asset allocation pre-retirement. We get this question all the time. The answer is very easy for us. It depends as everyone has different goals and needs. We believe you need to have a plan and establish a timetable of when you are going to need the money. Based on time horizon, you then can create a portfolio/allocation tailored to when you need access. There is no one size fits all answer.

https://www.marketwatch.com/story/is-my-financial-planner-crazy-were-55-and-60-five-years-from-retirement-and-were-told-we-should-invest-more-aggressively-7119ccd5