Retirement Readiness Part 3 - Social Security

We walk through how investing must change when you retire and why the biggest risk is often emotional decisions during a market drop. We explain our bucket approach, then add practical guidance on Social Security timing and when an annuity might actually fit. 

• Shifting from being a long-term buyer to a retirement seller 
• The short-term danger of being too aggressive 
• The long-term danger of being too conservative 
• Using withdrawals, inflation, and taxes to stress-test returns 
• Building a three-bucket retirement portfolio for income and recovery 
• Protecting against panic selling during bear markets 
• Why we dial back risk three to five years out 
• Social Security basics, the 62 to 70 window, and spousal benefits 
• Common scenarios for claiming early versus delaying 
• What an annuity is, when it can help, and how not to overdo it 
Reach out to us. We’d love to walk it through with you. 

This is Part 3 of the series. Please check out Parts 1 & 2 if you haven't already!