A new year presents an opportunity to reassess your financial strategy — and in this episode, Phil Capriotti Sr. breaks down what investors should review as they prepare for the next phase of retirement planning. From managing risk exposure to evaluating income strategies and tax positioning, Phil shares practical insights into building a plan designed to remain flexible as markets and personal circumstances evolve.

The discussion covers the importance of ongoing planning, including how portfolio allocation, annuity considerations, and income distribution strategies can work together to support long-term financial goals. Phil also explains why retirement planning isn’t a one-time event but an ongoing process that requires periodic evaluation and adjustments.

Whether you are approaching retirement or already living on your investments, this episode focuses on creating clarity, structure, and confidence through a coordinated financial plan built around your unique objectives.

This podcast is provided for informational and educational purposes only and should not be considered financial, tax, or legal advice. Investing involves risk, including possible loss of principal. Any strategies discussed may not be suitable for all individuals. Listeners should consult with a qualified financial professional regarding their specific situation before making any financial decisions.