Why Most Retirement Plans Fail — And the Navigator Framework That Fixes It
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Why Most Retirement Plans Fail — And the Navigator Framework That Fixes It
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In this episode of Navigating Abundant Retirement, Carol Dewey addresses a hard truth: most people don’t actually have a retirement plan; they have a collection of financial products.
Even successful savers and investors often feel uncertain about taxes, market downturns, healthcare costs, and income sustainability. The issue isn’t effort; it’s framework. Carol explains why traditional retirement planning fails and introduces the Navigator Framework, a coordinated, adaptive approach designed to help retirees move from accumulation to confident navigation.
Why Most Retirement Plans Fail …
Why Most Retirement Plans Break Down- Assumption-based planning that ignores real-world volatility
- Product-first recommendations without integrated strategy
- Failure to manage sequence-of-returns risk
- Static plans that cannot adapt when life changes
- Why Most Retirement Plans Fail
Retirement doesn’t happen in a spreadsheet. Markets shift. Tax laws evolve. Health and family dynamics change. A plan built on assumptions collapses under reality.
The Shift: From Accumulation to NavigationRetirement requires a different skill set. You are no longer racing toward a number; you are steering through uncertainty.
The Navigator Framework focuses on:
- Clarity – Understanding your true income, tax exposure, and risk
- Course Mapping – Coordinating income, taxes, risk, and legacy planning
- Navigation Tools – Choosing strategies that fit the plan, not products sold in isolation
- Course Corrections – Adjusting as markets, laws, and life evolve
- Why Most Retirement Plans Fail …
Key Question
If the market dropped 20% tomorrow, would your retirement lifestyle change?
If the answer is yes or even maybe, the issue isn’t how hard you’ve worked. It’s how your plan is structured.
Core MessageAbundance doesn’t come from predicting the future.
It comes from navigating it well.
Why Most Retirement Plans Fail
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💬 Website: https://www.perpetualwealthfinancial.com
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