# Episode 65: 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-65-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-65-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: 2026-02-16T11:00:03+00:00
Episode link: https://www.spreaker.com/episode/episode-65-dave-asks-how-do-i-reduce-risk-five-years-before-retirement-without-going-too-conservative--69371844
Audio file: https://api.spreaker.com/download/episode/69371844/retirement_decoded_podcast_episode_65_final.mp3
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Duration seconds: 1337

## Resource

Dave is about 5 years from retirement and wonders how to start reducing risk without getting too conservative too soon. Scott talks through the balance between protection, income, and growth, and how to gradually transition an investment strategy as retirement gets closer. Get on our phone calendar at https://TuckerRetirement.com . Watch this podcast on YouTube at https://TuckerYouTube.com .

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## Transcript

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