Retirement Headwinds vs. Tailwinds: Risk, Inflation, Longevity, and the Shift to Income Planning | Episode 145

Markets have delivered strong returns, but retirement planning is about more than a good run in stocks. In this episode of Safer Retirement Radio, Brad Geddes, CFP® joins Brian Decker to break down what today’s retirees and near-retirees need to watch next—especially when you’re transitioning from saving to spending. You’ll hear a practical discussion on: Why strong markets can quietly encourage retirees to take more risk than they realize The “sequence of returns” problem: why a downturn early in retirement can do outsized damage Longevity and rising healthcare costs—and how to plan when you don’t know what life will bring Inflation’s long-term impact, including why sitting in too much cash can be costly over time The mindset shift from accumulation to distribution, and why income planning becomes the priority How to think about “pulling risk back” without “getting out of the market” Why flexibility and planning often matter more than predictions If you’re within 5–7 years of retirement, recently retired, or wondering whether your current portfolio is built for income and resilience—this episode will help you think more clearly about the next phase. To learn more or schedule a visit with our team: 833-707-3030 or visit DeckerRetirementPlanning.com.