Market volatility in 2025 doesn't have to derail retirement plans if you've properly structured your income sources and diversified your investments. Proper retirement planning involves creating stable income buckets that aren't totally dependent on market performance, allowing retirees to weather economic storms with confidence.• Sequence of returns risk can pose a significant danger when withdrawing from declining investments• Traditional retirement income approaches like dividend stocks or bonds may only yield 2-4% and can lack stability• Professional retirement planning should involve creating guaranteed income streams of 5-6% regardless of market conditions• Having income buckets prepared before retirement can eliminate the stress of watching markets daily• Catch-up contributions allow those over 50 to save up to $31,000 in 401(k)s and $8,000 in IRAs annually• Working slightly longer or part-time can significantly improve retirement security• Review investment fees, insurance policies, and subscriptions to potentially uncover hidden savings opportunities• Emotional preparation for retirement can be as important as financial readiness• Diversification in retirement means more than just different market sectors—it includes stable income sourcesSchedule a complimentary consultation to receive personalized retirement planning guidance at masterplanretire.com or call 770-980-9262.Have a topic or question you'd like Mark and Evan to address in a future episode? Email us at [email protected] or call 770-980-9262.https://masterplanretire.com/Catch all episodes of our podcast at https://www.masterplanyourretirement.com/resources/episodesListen to Mark Fricks on Saturdays at 8:30 a.m. EST on AM920 WGKSend us a textVisit masterplanretire.com to access our retirement checklists, podcasts, and schedule a complimentary consultation.Call 770-980-9262 to speak directly with someone about your retirement planning needs. https://masterplanretire.com/Catch all episodes of our podcast at https://www.masterplanyourretirement.com/resources/episodesListen to Mark Fricks on Saturdays at 12:00 p.m. on XTRA 106.3 FM WFOM.Sign up for one of our upcoming events at https://www.masterplanyourretirement.com/eventsPurchase Mark’s book, The Road Less Traveled: Turning Your Retirement Worries Into an Excursion of a Lifetime, on Amazon: https://a.co/d/4fx94Al Advisory services offered through MasterPlan Retirement Consultants, Inc., a Registered Investment Advisor in the state of Georgia. Insurance, tax and commodities services offered through Fricks and Associates, Inc. dba MasterPlan Retirement Consultants. The aforementioned are affiliated companies.

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