10/17/2026
The biggest retirement risk isn't the market.
It's believing that because you've saved well, you're automatically prepared.
Over the years I've spoken to thousands of people about retirement planning, and I've noticed something interesting.
The people who worry the least about retirement aren't always the ones with the most money.
They're the ones who understand how their money works.
They have a plan for taxes. They have a plan for income. They have a plan for the unexpected.
Hope is not a retirement strategy. Preparation is.
That's the message I've tried to share every time I've had the opportunity to stand behind a podium like this.
Because after decades of helping families prepare for retirement, I've learned that the goal isn't simply to build wealth.
It's to make sure you get to keep it.
