The 8 Wealth Decisions You Need to Make 2-3 Years Before You Retire The 2-3 years before you retire are known as the "Red Zone." This is the most critical window for your financial plan because you are shifting from accumulation to distribution. One wrong move here—like ignoring the "Cash Wedge" or miscalculating your "Tax Valley"—can jeopardize your entire retirement. In this deep-dive episode, Fiduciary Advisor Brian breaks down the 8 Specific Wealth Decisions you need to make while you are still working to ensure you enter retirement in the "Confidence Zone."

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Key Topics Covered:

Asset Allocation: Why 100% S&P 500 is dangerous in retirement and the case for small/mid-cap & international diversification.

The Cash Wedge: How to invest your "lazy money" without taking reckless risks.

Tax Strategy: Utilizing the "Tax Valley" for Roth Conversions before RMDs hit.

Social Security: Why delaying benefits is actually an act of love for your spouse. Lifestyle Math:

Calculating your "Wiggle Room" and front-loading your travel budget for the "Go-Go Years."

Timestamps:

00:00 Retirement Red Zone

01:27 Cash Wedge Strategy

02:37 Diversify Beyond S&P

03:41 Roth Tax Valley

04:40 Social Security for Couples

05:58 Replace Your Paycheck

06:38 Wiggle Room Buffer

07:31 Family Help and Travel

08:59 Wrap Up and Next Steps

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