Hidden Risks are Lurking & Spring Cleaning Your Portfolio | Income Sources Need to Work Together & Procrastination Can Cost You More Than Anything

On this week’s episode: What if small financial habits today quietly create major risks in retirement? This episode explores how Social Security timing decisions and market expectations can shape long-term income strategies. It highlights why “spring cleaning” your portfolio can uncover overlap, unnecessary risk, and missed diversification opportunities. The conversation breaks down how income sources—like Social Security, pensions, and investments—must work together to support retirement spending. It also addresses the cost of procrastination, explaining how delaying planning can limit tax strategies and reduce flexibility later in life. Head down your Clear Path to Retirement with Michael today!See omnystudio.com/listener for privacy information.