You planned for the cool, calm version of retirement—then the market heated up, interest rates whipsawed, and the timing of your first withdrawals suddenly mattered more than the last 30 years of saving. We take you inside the moments when expectations snap—like retiring into a downturn or discovering that “balanced” didn’t balance in 2022—and show how to build a plan that keeps paying you even when the world doesn’t cooperate.

We break down sequence of returns risk in plain English and explain why the order of returns can make or break your nest egg once you start drawing income. You’ll hear how the quadruple whammy of losses, withdrawals, fees, and taxes drains portfolios faster than most realize, and how to flip the script by separating essential income from market volatility. From guaranteed lifetime income for core expenses to a cash reserve that stops forced selling, we map out a resilient structure that lets you retire on your schedule, not the market’s.

Along the way, we get real about advisor selection and industry tactics—why “free dinner” pitches, vague promises, and passive handoffs leave retirees exposed. We share practical questions to vet any advisor, plus strategies for tax-efficient withdrawals and smart Roth conversion windows that can lower your lifetime tax bill. If you want a first-principles plan that blends protection, liquidity, and growth—and a partner who actually shows up—this conversation is your blueprint for a steady, confident retirement.

Ready to stress-test your plan and protect your income? Follow the show, share this episode with someone nearing retirement, and leave a review telling us what would make you feel truly secure.

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To learn more about Brad Pistole and the Ozark Retirement Group, please visit www.ozarksretirement.com