In Part 2 of this three-part series, retirement expert RC Arseneau, CFP®, CRPS®, CEP®, ChFC® explains why your retirement strategy must change as you approach retirement, even if you’ve been doing “all the right things” with saving and investing. Many people plan well for growth during their working years, but experience stress, second-guessing, and fear once they start drawing income—especially during market downturns.

Using a simple visual illustration, RC walks through how separating your retirement money based on when you’ll need it can reduce volatility, protect near-term income, and allow long-term investments to keep growing. This episode helps explain why market drops feel more emotional in retirement and how having a clear plan in place before you retire can make all the difference.

If you’re within five years of retirement—or want to understand why confidence matters as much as numbers—this episode will help you see your money differently and prepare for a smoother transition into retirement.

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