The Retirement Risk Most Investors Don’t See Coming

Trying to time the market can feel tempting, but for people nearing retirement, it can quietly undo years of planning. In this episode, Brooks breaks down why volatility hits pre‑retirees harder, how emotional decisions compound risk, and what “sequence of returns” really means once withdrawals begin. Using real‑world examples, he explains why protection, income stability, and planning for cash flow matter more than chasing perfect market moves—especially when retirement is no longer decades away. Listen to Brooks every Saturday at 7 a.m. on KOTA. Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!See omnystudio.com/listener for privacy information.