Retirement Roundtable

The Most Overlooked Phase of Retirement Planning


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You spent decades saving—so why does turning savings into income feel so uncertain? John Scallan breaks down the often‑ignored shift from accumulation to distribution and why automatic withdrawals can quietly erode a plan. The episode explores sequencing risk, taxes, guaranteed income, and why income planning requires a different mindset than saving. It’s a clear look at what happens after retirement day and why strategy matters more once the paycheck stops.

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Retirement RoundtableBy Cypress Financial