It's easy to assume that if you've been saving and investing consistently throughout your working years, you're on track for retirement. But the final 10 years before you leave the workforce can quietly rewrite the rules, turning small missteps into lasting consequences and smart adjustments into meaningful gains.
"I see it all the time: people come to us later than they should," says Kyle Hammerschmidt, founder of Mokan Wealth Management. "Not because they weren't paying attention, but because nobody told them how many changes there are in the final stretch before retirement."
