Most Advisors Are Order-Takers — Why That Puts Your Retirement at Risk

In this episode Drew Stevens argues that many financial advisors are merely order-takers focused on portfolio maintenance and accumulation, not comprehensive retirement planning. He highlights common gaps—tax strategy, IRMA/S, Medicare, Social Security timing, and income distribution—that can leave retirees exposed. Stevens explains what a true retirement advisor does: build an income-first strategy, coordinate tax-efficient distributions, and plan for market drops and healthcare costs, urging listeners to ask better questions or seek a second opinion.