The first year of retirement can feel very different when market volatility shows up early. In this episode, Ryan Oliver breaks down why the first 12 months of retirement carry added risk and how market swings can impact long‑term outcomes. The conversation covers sequence of returns risk, the shift from accumulation to distribution, and why reliability and flexibility matter once withdrawals begin. Listeners will also hear how diversification, planning for multiple market environments, and avoiding fear‑driven decisions can help retirees navigate uncertainty without overreacting.

 

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