Should you start scaling back risk 3, 5, or even 12 years before retirement? Financial advisor Jon Hicks breaks down the latest research, market trends, and personal psychology behind de-risking and diversification. Learn why timing, income streams, and a holistic plan matter more than chasing market returns. Real stories and actionable advice help you build protection, income, tax, legacy, and healthcare into your retirement strategy.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

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