The biggest risk to your retirement may not be the market—it may be how and when you take income. This episode explores the important shift from accumulation to income during the “fragile decades” before and after retirement. Annetta Carter explains why timing, sequence of returns, and healthcare planning matter just as much as growth, and how long‑term care costs and longevity can quietly reshape a retirement plan. The conversation also looks at common misconceptions around annuities, Medicare, and planning ahead for cognitive decline and extended care needs.

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