Episode 1: Your Portfolio Has a New Job

Your portfolio has done one job for 30 years: grow. But about 5–10 years before retirement, that job description changes completely — and most people don't realize it until it's too late.

In this episode, I break down the shift from the accumulation phase to the distribution phase: what it means for your investments, your risk exposure, and your income plan — and why getting this transition wrong can follow you throughout retirement.

In this episode:

▸ Why the strategy that built your wealth won't manage it in retirement

▸ The accumulation vs. distribution phase — explained simply

▸ What your portfolio actually needs to do once you stop working

▸ Why this shift should start 5–10 years before you retire

This is Episode 1 of the Retirement Transition Series — 12 short episodes built for people who are 5–10 years from retirement and want to get the transition right.

▶ Next: Episode 2 — How Your Portfolio Actually Generates Income

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