In this episode of The Big O Money Show, Bill Altman and Andrew Galvin break down retirement income planning, market volatility, and the risks behind assuming “average returns” translate into predictable withdrawals. They explore how sequence of returns, insurance products, annuities, and estate planning tools can impact long-term financial security in both accumulation and retirement phases. The conversation also emphasizes the importance of discipline, consistent investing, and having a coordinated plan for income, legacy, and risk management.