If you're within five years of retirement or already retired this episode focuses on the most critical phase of your financial life. David and Brandon break down why the "retirement red zone" matters and the key decisions that can make or break your plan:

• How market timing and sequence of returns impact retirement income
• Why balancing growth and protection is essential near retirement
• Common Social Security and tax planning mistakes to avoid
• How a coordinated income, tax, and investment strategy creates confidence