Gold hits record highs, and suddenly everyone’s asking whether it belongs in a retirement plan. In this episode of the Retirement Results Podcast, Dan Groben and Phil Menard unpack the real-world pros and cons of gold, especially gold IRAs. They break down common misconceptions, hidden penalties, and why some investors end up disappointed years later. The conversation expands into smarter diversification, uncorrelated assets, and how today’s allocation decisions connect to long-term retirement income and potential Social Security changes.

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