Market swings near retirement can force tough decisions at the worst possible time. In this episode, Annetta Carter explains how sequence‑of‑returns risk, hidden fees, and concentrated portfolios can quietly derail retirement plans if they aren’t addressed early. The conversation explores why diversification, professional portfolio analysis, and intentional income planning matter as work paychecks wind down. Annetta also breaks down how tools like Market Guard and guaranteed income strategies fit into a broader plan—helping retirees reduce reliance on headlines while preserving the income they’ll depend on throughout retirement.

Ready to connect with Annetta and begin building your retirement plan? Visit Magnolia to get started today!

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