What if the biggest retirement risk isn’t a market crash—but how you’re positioned when it happens? On this episode Mark Cordner breaks down why retirement planning isn’t about chasing returns, but managing risk, income, and certainty over decades. From a “two-pocket” strategy that separates market and non-market money, to flexible, tiered spending plans that reflect real retirement life, the conversation challenges one-size-fits-all rules and short-term thinking. It’s a practical discussion about building a plan designed to last through market swings, policy changes, and life’s inevitable curveballs.

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