Only 40% of people actually choose when they retire. In this episode, Kirk Cassidy and Michael Masserant explain how layoffs and automation are driving unexpected retirements—and why that timing can be financially devastating without a plan. They unpack the concept of sensitivity risk and show how market volatility can amplify its impact. If you're still working, it's worth asking: are you staying by choice or by default?

Retirement Education Foundation is a Fiscally Sponsored Program of United Charitable, a registered 501(c)(3) public charity.

This information is for educational purposes only and is not to be considered tax, legal or investment advice.

Kirk Cassidy and Michael Masserant are financial advisors.