From Accumulation to Distribution: Why Retirement Is the Most Complex Phase of Wealth

During your working years, your paycheck acts as a financial shock absorber. In retirement, that shock absorber disappears.

In this episode of Optimize Wealth, Lance Norquest explains why the shift from accumulation to distribution is one of the most critical — and complex — transitions in financial planning. From sequence of returns risk to tax coordination, Medicare premium impacts, and longevity planning, retirement income strategy requires a different level of design and discipline.

Accumulation builds wealth.

Distribution protects freedom.

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