Sequence of Returns Risk Decides If You Retire Well

Sequence of returns risk is the quiet reason two people with identical savings retire to opposite outcomes. The order of your returns, not the average, decides whether the money lasts, and the five years around retirement carry three times the weight of the next twenty. The gap is not your return rate; it is a missing cash cushion and guaranteed income floor.

Mark Kollar, a retirement income specialist with thirty-five years guiding retirees, shows how to survive a bad first five years. Listen before timing decides it for you.

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