A bigger tax refund, smarter retirement choices, and why automation isn’t the same as advice. This episode explores how unexpected money can fit into a long-term retirement strategy, why tax diversification matters more than most investors realize, and where AI-built portfolios fall short in the real world. Evan Ward breaks down the difference between looking diversified and being diversified, explains why human judgment still matters in financial planning, and shares practical perspective on timing, taxes, and decision-making as retirement gets closer.

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