Answer These Honestly — No Guessing

Most retirees believe they have a plan.

Very few can answer these questions with confidence:

• Which specific years will your taxes be highest in retirement?
• How much of your Social Security becomes taxable if your income jumps?
• At what income levels do Medicare premiums increase — and by how much?
• Which accounts will you draw from first when markets are down?
• How does a market downturn change your withdrawal strategy?
• What happens to your plan if tax laws change after you retire?

If you can’t clearly answer at least three of these, you don’t actually have a retirement strategy. You have savings — and assumptions.

The Mistake That Quietly Costs Retirees the Most

Here’s the part most people never hear:

More money does not reduce retirement risk. In many cases, it increases it. Why? Because most retirement plans are built for accumulation, not for:

• Income sequencing
• Tax control
• Withdrawal timing
• Flexibility under stress

If most of your wealth is in pre-tax accounts, you do not control when it becomes taxable.

The IRS does. None of this feels dangerous while you’re still working. It shows up later — when reversing course is expensive or impossible. And that loss of control can quietly lead to:

• Income you’re forced to take — even if you don’t need it
• Medicare premiums that rise permanently
• More of your Social Security taxed than expected
• Fewer options when markets fall or life changes

Same Savings. Same Market Returns. Very Different Outcomes.

Consider two retirees with similar portfolios and similar goals.

One delays planning and assumes taxes will “work themselves out.”

The other plans ahead:

1. They sequence income deliberately
2. They manage tax exposure years in advance
3. They choose which dollars to spend — and when

Over time, the difference becomes obvious.

One is reacting:

• To tax bills
• To Medicare premiums
• To required withdrawals

The other has options. The difference is not investment performance. It’s when decisions are made — and who’s in control when they are.

What This Training Actually Covers

This is educational, not promotional.

This short, on-demand training walks through:

• The most common structural mistake pre-retirees make
• Why “probability of success” scores can create false confidence
• How income and tax decisions compound over time
• Why sequencing often matters more than returns

No products. No commissions. No pressure.

If you’re looking for stock picks or market predictions, this is not for you. If you want to understand where retirement plans actually break, this is where you start.

Watch the Full Training

If you’re serious about protecting your retirement income — not just your portfolio balance — this training will give you clarity most retirees never get.