Market volatility, AI hype, and global uncertainty have investors asking the same question: what really belongs in a retirement portfolio? Joe and Julia Valenzuela unpack diversification beyond stocks and bonds, the role of income, and where gold and silver fit—or don’t fit—into long‑term planning. The episode also examines Social Security timing and the cost of waiting too long.

For more information, please visit ValenzuelaFinancial.com!

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