As one year closes and another begins, many retirees and pre-retirees find themselves wondering how economic cycles, tax changes, and political environments may impact their long-term financial plans. In this episode of Retire Smart Austin Radio, Phil Capriotti Sr. and host Spike Spengel take a forward-looking approach to retirement planning — focusing on how shifting market conditions and election cycles can influence investment strategy, tax efficiency, and overall retirement income planning.

Phil discusses why proactive planning matters more than prediction, and how tools like Roth conversions, estate planning coordination, and portfolio risk management can help position retirees for changing environments. The conversation explores how disciplined strategy — rather than emotional reactions — can help investors navigate volatility and uncertainty.

Listeners will learn how a comprehensive retirement strategy integrates taxes, income planning, and long-term legacy considerations into one coordinated plan designed to adapt as life and markets evolve.