Strong markets can boost confidence—but is that confidence built on a solid retirement plan or recent returns? On this episode, David Gagnon breaks down the difference between market confidence and planning confidence. He explains why relying on portfolio growth alone can expose retirees to sequence-of-returns risk, especially early in retirement. The conversation covers income planning, diversification, inflation pressures, and the shift from accumulation to distribution. You’ll hear why stress‑testing a plan and aligning investments with real income needs can help reduce surprises and tough lifestyle adjustments later.

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