The Retirement Danger Zone

The five years before retirement and the five years after it are often called the retirement danger zone—and the decisions made during this period can have a lasting effect on your financial future. In this episode, Andrew and Daniel Agemy explain why the rules change once you transition from saving money to withdrawing it. They explore sequence-of-returns risk, the limitations of relying on long-term market averages, and why an early downturn may be especially damaging to a retirement portfolio. They also discuss the importance of lowering volatility before retirement, building dependable income, stress-testing your investments, and transitioning from an accumulation-first strategy to one designed to support ongoing distributions. If retirement is approaching, this episode explains why preparing before your final paycheck may help you enter retirement with greater clarity and confidence. 🔔 Like, subscribe, and turn on notifications for more retirement education.