Derek and Dave take over this week and break down five retirement truths most people never hear from their advisor. They start with the difference between average returns and real returns, and why volatility matters more than the headline number on your statement. They unpack sequence-of-returns risk, explain how taxes quietly drain retirement savings, and walk through why a tax-diversified portfolio can make your money last much longer. Derek and Dave also hit inflation, over-lapping mutual funds, and the mindset shift every retiree needs to enjoy their next chapter. This is one of the clearest, most practical retirement conversations we’ve released all year.