On this week’s episode:

• Retirement planning mistakes often start long before retirement—sometimes by simply waiting too long to act.
• This episode explores sequence‑of‑returns risk and how early market losses can disrupt long‑term income strategies.
• You’ll hear why diversification, regular portfolio reviews, and income planning matter as retirement approaches.
• The conversation highlights how procrastination can limit options, especially with taxes, withdrawals, and market exposure.
• It also breaks down common misconceptions around withdrawal rates and the shift from saving to spending in retirement.

Head down your Clear Path to Retirement with Michael today!

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