In this episode of the Plan Your Federal Retirement Podcast, Micah Shilanski, Managing Partner and Wealth Advisor, and Luke Eberly, Wealth Advisor, break down one of the most common and potentially costly investment questions federal employees ask: "Should I wait for the market to drop before investing?" They walk through real-life examples of missed opportunities, explain why market timing often fails in practice, and outline practical strategies for navigating volatility, especially for those approaching or already in retirement. The focus: having written investment rules, a distribution strategy, and a plan for when (not if) markets decline. If you are a fresh retiree or nearing retirement, this episode is for you! https://zurl.co/uNeKt