To get the full RFL experience, watch the episode here at https://youtu.be/jmfF9z4g65k

The first five years of retirement represent a critical "danger zone" where key decisions can make or break your financial future. In this eye-opening episode, Christian Cyr, CPA CFP® and his team unpack the most common pitfalls that derail even carefully planned retirements.

We explore why both retiring too early and waiting too long can be problematic, revealing surprising research from the Journal of Happiness about the health and mental wellbeing benefits of timely retirement. You'll discover why the happiest retirees engage in at least 3.5 "core pursuits"—activities that inspire and fulfill them beyond Netflix binges.

The conversation takes a serious turn as we examine why maintaining an overly aggressive investment portfolio during retirement's early years could spell disaster. Christian shares stories of clients who narrowly avoided significant losses by adjusting their risk exposure just before market downturns.

Perhaps most shocking is our deep dive into Social Security timing. Most Americans claim benefits too early, missing out on a potential 77% increase in monthly payments by waiting until age 70. This decision affects not just your income but potentially your spouse's survivor benefits for decades.

Finally, we reveal why traditional withdrawal strategies like the "4% rule" often fall short, and why Christian's concept of the "perfect retirement" focuses on creating stable income streams while minimizing lifetime tax burden. This episode delivers actionable insights that could transform your retirement outlook—whether you're already retired or planning for that transition.

Ready to create your own perfect retirement? Schedule a consultation about our AIM retirement system and avoid these costly mistakes before they impact your financial freedom.

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