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 realizeThe “sequence of returns” problem: why a downturn early in retirement can do outsized damageLongevity and rising healthcare costs—and how to plan when you don’t know what life will bringInflation’s long-term impact, including why sitting in too much cash can be costly over timeThe mindset shift from accumulation to distribution, and why income planning becomes the priorityHow to think about “pulling risk back” without “getting out of the market”Why flexibility and planning often matter more than predictionsIf 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.