Episode 8: How Should Your Portfolio Change Before Retirement?

Five to ten years before retirement is when your investment strategy should start shifting — but most people either make the change too aggressively, too gradually, or not at all. There's no single right answer, but there is a right framework.

In this episode, I walk through how your portfolio should evolve as retirement approaches: what to de-risk, what to protect, and how to position yourself so you're not forced to sell at the wrong time.

In this episode:

▸ Why your pre-retirement allocation matters more than your growth-phase allocation

▸ The glide path concept — how to reduce risk without abandoning growth

▸ How to build a cash buffer that protects you in the early years

▸ The asset allocation conversation most people skip

Episode 8 of the Retirement Transition Series — 12 short episodes for people who are 5–10 years from retirement.

▶ Next: Episode 9 — The 5 Biggest Financial Mistakes People Make in Their 50s

▶ Watch Episode 7 → The Biggest Financial Risk in Early Retirement

Ready to build your retirement income plan? Schedule of Retirement Plan Fit Call