Your nest egg is only step one. The real challenge is turning it into steady, tax-smart income you can count on. In this episode of The Lord and Richards Show, Colin Richards and Dylan Schoonover break down the shift from accumulation to distribution and how to make your money last for life.

We cover:

• Accumulation vs. distribution — what changes when the paycheck stops

• How to stretch savings in down markets and avoid sequence-of-returns risk

• Consolidating old 401(k)s and cleaning up dormant accounts

• Smart use of Roth 401(k) and tax-aware withdrawal strategies

• Social Security timing between ages 62 and 70 and why “optimize” beats “maximize”

• The Lord and Richards client experience and the complimentary Retirement Freedom Review

🎧 Tune in to learn how “freedom of money” starts with a plan that pays you reliably in every market.

Learn more: https://lordandrichards.com/

Call for your complimentary Retirement Freedom Review: 720-372-0400

Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.