If you're five–ten years from retirement the next 12–24 months matter. In this episode Chris Drew walks through the practical, calendarable moves that improve your odds of finishing the job: max your 401(k) match and catch-ups, rethink 401(k) fund assignments (don't copy a coworker), and use IRAs or partial rollovers for flexibility. He explains the difference between Traditional and Roth IRAs, when Roth conversions can make sense, and why HSAs and laddered short-term instruments deserve a place in a late-career plan.
Chris also covers operational essentials — log into your plan, run overlap/cost-and-risk checks, adjust asset allocation as you shift from growth to preservation, and build a spending plan so “every day is Saturday” doesn't blow the budget. Practical, no-fluff advice and year-end steps you can execute now to lock in deductions and position your portfolio for a smoother transition to retirement.
Want help turning these moves into your red-zone roadmap? Book a free consultation at https://askthecaptain.com or call 833-DREW-CAP (833-373-9227).