If you’re a few years from retirement and your 401(k) has become your biggest financial asset, one question starts to matter a lot more: “Am I actually confident in how this money is invested?” In this episode, Cullen talks directly to near-retirees who saved diligently but haven’t consistently reviewed their 401(k) investment strategy… when there’s less time to recover from major mistakes. The big message: before you obsess over funds and allocations, you need a plan that connects your investments to your goals.

Key Takeaways:

• As retirement gets closer, big investing mistakes are harder to recover from.

• Investments matter, but they’re only one part of your retirement strategy.

• A financial plan helps determine: safe withdrawal amounts, downside “cushion” in market downturns, and what may be left for loved ones ...