Slide 1:
Allocate 20% equities, 50% bonds, 30% cash to limit risk and maintain growth potential.

Slide 2:
Diversify: U.S. large-cap, small-cap, international, and emerging markets capture opportunity and reduce volatility.

Slide 3:
Plan healthcare early: Medicare enrollment, Medigap, long-term care insurance protect against soaring medical costs.

Slide 4:
Use HSAs, ladder withdrawals, and annual rebalancing to maximize tax efficiency and retirement security.

Slide 5:
Bear markets take 3.5 years to recover; disciplined rebalancing prevents emotional, costly decisions.