The Hidden Gap Between Saving for Retirement and Living It

From Ready, Set, Retire! by Steve Anzuoni

May 5, 2026 · 18 min

About this episode

Steve Anzuoni discusses the hidden risks of retirement planning and the importance of transitioning from saving to income generation.

Market swings may grab headlines, but the real retirement risk often shows up quietly. On this episode, Steve Anzuoni explores why many near-retirees feel less confident despite strong markets, and why relying solely on a growing 401(k) can be misleading. The conversation covers shifting from accumulation to income planning, the role of rebalancing, rising healthcare costs, and why flexibility matters as retirement approaches. Steve also explains concepts like in‑service distributions and guaranteed income tools, helping listeners rethink how their savings may function once paychecks stop. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book  -  Tee Up Your Retirement!  Social Media :  Facebook  I   LinkedIn  I  Instagram  I  YouTube  See omnystudio.com/listener for privacy information.

People in this episode

Host: Steve Anzuoni

Topics covered

retirement planning
income planning
healthcare costs
401(k) management
financial confidence
flexibility in retirement

Keywords

retirement risk
market swings
in-service distributions
guaranteed income tools
rebalancing
near-retirees
financial planning

Mentioned in this episode

Books & works: Tee Up Your Retirement!