The 6 biggest retirement risks

The 6 biggest retirement risks could derail even the best-laid financial plans. In this case study, Sebastian Guerra explores how a family with $2.5 million saved is still vulnerable without proper risk management. He breaks down six major threats—longevity, inflation, market volatility, healthcare costs, behavioral mistakes, and taxes—and offers strategic solutions to help minimize each one. With tools like HSAs, hybrid insurance, and a bucket-style investment approach, you’ll learn how to protect your retirement income and maintain financial stability for the long haul.