commit 842c7e685eec12b69fac56439ad7bd200450f050
Author: jimmyebi737972 <wsuperhonestjor70@nestmailbox.com>
Date:   Fri Dec 5 06:11:03 2025 +0800

    Add Five Steps to a Durable Retirement Strategy

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+<br>Start with goals, time horizons, and cash flow. Translate each goal into a target amount and date, then map investment risk and liquidity accordingly. Use diversified building blocks and keep costs visible. Create an investment policy with rebalancing rules and  [Financial Synergies](https://savetitlex.org/houstons-leading-investment-management-experts-plan-invest-succeed/) guardrails for savings and withdrawals. Coordinate taxes, accounts, and estate documents so the plan operates smoothly. Review annually to adjust contributions, allocations, and contingencies. Discipline and clarity are the edge.
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