Two retirees. Same $1 million portfolio. Same 60/40 allocation. Same 4% withdrawal rate. Same 30-year retirement.

The only difference?

One retired in 1973. The other retired in 1975.

Fast forward 30 years: one finished with about $280,000 and the other finished with over $3 million.

Same plan. Just two years apart.

In this episode, I'm breaking down new research that analyzes nearly a century of market history to answer a question most retirement plans don't spend enough time on:

"How much does your exact retirement date shape the outcome of your plan?"

Here's what you'll learn:

→ Why retirement timing may matter more than your withdrawal rate or asset allocation

→ Why a larger nest egg at retirement has historically led to worse outcomes

→ A 3-part playbook, in priority order, for protecting your plan when the starting point looks unfavorable

Most retirement strategies focus on what happens after you retire.

But this research suggests the year you walk away from work may deserve a much bigger seat at the planning table.

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Your retirement involves complex, interconnected decisions—taxes, income, healthcare, estate planning, investments.

See how they fit together in one coordinated strategy built around your numbers.

👉 Learn More and Book a Call

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EPISODE RESOURCES:

→ Grab the Episode Show Notes

→ Join the Stay Wealthy Retirement Newsletter

→ Learn About the Total Retirement System™