What’s more dangerous to your retirement—market volatility or hidden fees? Joe and Julia Valenzuela explain how slowing down, reviewing your income plan, and truly understanding diversification can protect your future. They break down the “sequence of returns,” uncover the hidden costs that eat away portfolios, and highlight why active planning matters more than ever. Practical, timely, and eye‑opening guidance for anyone approaching retirement in uncertain markets.

For more information, please visit ValenzuelaFinancial.com!

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