<p>Most investors think asset allocation means choosing a percentage of stocks and bonds based on retirement dates. In retirement, the timing of your money matters far more. This episode explains how sequence of returns risk, income timing, and portfolio structure influence retirement outcomes.</p><p>Retirement Education Foundation is a Fiscally Sponsored Program of United Charitable, a registered 501(c)(3) public charity.</p><p>This information is for educational purposes only and is not to be considered tax, legal or investment advice. Kirk Cassidy and Paul Meter are professional financial advisors in the private sector. Both serve as a financial instructor for the Retirement Education Foundation on a volunteer basis. Retirement Education Foundation does not offer financial services.</p>