Think of the Retirement Red Zone as the 8 to 10 year window surrounding retirement — about 4 to 5 years before, and 4 to 5 years after.

What happens during this period often has a bigger impact on your financial future than the following 20 years. Sequence of returns, withdrawal timing, and tax decisions all matter more than ever. Get the Red Zone right, and retirement can feel a whole lot more secure.