In this episode, we explore why the first five years of retirement are critical to your long-term financial security. We examine research showing how sequence of returns risk can dramatically impact your retirement outcomes, regardless of your savings rate or investment strategy.

Your portfolio's performance during two key periods - the last 15 years of accumulation and the first 10 years of retirement - explains over 70% of your retirement success. Learn why traditional financial planning models focusing on average returns may not adequately protect you from market volatility during these crucial periods.

We discuss practical strategies to minimize sequence risk, including the value of guaranteed income streams. Discover why retirees with predictable income sources tend to report less financial anxiety and often maintain more wealth throughout retirement compared to those relying solely on investment portfolios.

This discussion moves beyond theoretical models to examine real-world retirement challenges and solutions. You'll learn why having multiple income strategies that aren't tightly correlated can help protect your retirement from market uncertainties.

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