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One of the biggest risks in retirement isn’t just market performance, it’s timing. Rob explains sequence of returns risk and why two investors with identical average returns can experience completely different outcomes depending on when those returns occur. You’ll also hear about some practical strategies to help protect your income and avoid emotional decisions when markets get volatile.

Here’s what we discuss in this episode:

⏱️ Early Years Matter: First years are most vulnerable

🧠 Strategic Planning: Prepare before retirement begins

📊 Diversification Matters: Balance across asset classes

💵 Cash Reserves: Build a buffer for downturns

🪣 Bucket Strategy: Protect income with structured withdrawals

😬 Emotion Control: Planning reduces panic-driven decisions

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