Markets are at record highs, but retirement isn’t a time to guess. On this episode Kevin Madden breaks down why shifting from growth to income requires more than just selling stocks when nerves kick in. He explains the balance between offense and defense, how hidden fees and excess risk can quietly erode savings, and why steady, reliable income matters more than chasing returns. Through real-world examples, the conversation focuses on turning long-term savings into sustainable income while managing volatility and protecting lifestyle choices in retirement.

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