Planning for retirement isn’t just about saving—it’s about having a strategy.

In this episode of Understanding Money with the Noles Group, Matt McClure joins Danny, Parker, Chandler, and Evan to break down a comprehensive roadmap for retirement. The team walks through six key steps to help listeners prepare for the “retirement red zone,” the critical years leading up to and just after retirement.

They also highlight four major “icebergs” that can derail even the best plans—market volatility, taxes, long-term care costs, and longevity—and explain how to navigate each one. Along the way, the conversation covers Social Security strategies, emergency funds, portfolio adjustments, and the importance of having a written financial plan.

With real-world examples and practical advice, this episode is designed to help listeners protect what they’ve built and create reliable income for the future.