Before you take the next step in your retirement, it is critical to understand that the strategies that built your wealth are not the same ones that will protect it. This guide was created to help you navigate the most complex and often overlooked phase of retirement—the distribution years. Inside, you will uncover why traditional accumulation thinking can quietly fail, how taxes and timing can have a greater impact than investment returns, and what a truly complete retirement plan should include. From the critical decisions made between ages 63 and 72 to identifying whether you have a strategy or simply a collection of accounts, this guide is designed to bring clarity, confidence, and structure to your financial future