# Episode 62: Dave Asks: How Do I Reduce Risk Five Years Before Retirement Without Going Too Conservative?

Page: https://stenobird.com/podcast/retirement-decoded-podcast-7121619/episode-62-dave-asks-how-do-i-reduce-risk-five-years-before-retirement-without-going-too-conservative
Text version: https://stenobird.com/podcast/retirement-decoded-podcast-7121619/episode-62-dave-asks-how-do-i-reduce-risk-five-years-before-retirement-without-going-too-conservative.md
Podcast: [Retirement Decoded Podcast](https://stenobird.com/podcast/retirement-decoded-podcast-7121619)
Published: 2026-01-26T11:00:09+00:00
Episode link: https://www.spreaker.com/episode/episode-62-dave-asks-how-do-i-reduce-risk-five-years-before-retirement-without-going-too-conservative--69359108
Audio file: https://api.spreaker.com/download/episode/69359108/retirement_decoded_podcast_episode_62_final.mp3
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Duration seconds: 1746

## Resource

The final years before retirement can be the most dangerous for your portfolio. In this episode, Scott answers Dave’s question about reducing investment risk as retirement approaches—without sacrificing income or locking everything up too early. This conversation focuses on why risk matters differently near retirement, how market timing impacts income planning, and why having the right structure can help protect your retirement lifestyle. If you’re within 5 years of retirement, let’s review your plan—get on our phone calendar at TuckerRetirement.com .

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## Transcript

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