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Picture this: you finally retire, sit down with your morning coffee, and the market drops 25% in the same week. What happens next depends a lot on how your retirement income plan was built.

In this video, Hunter Brockway, founder of Boca Retirement Strategies, explains the “fragile decade” around retirement and why the order of your investment returns can matter just as much as the average. He walks through practical ways to soften the blow of a bad market early on and still stay on track for the lifestyle you want.

You’ll hear a clear explanation of concepts like sequence of returns risk, how bond-heavy “tents” can pad the danger zone around retirement, and how flexible “guardrails” can help you adjust spending without constantly stressing over every market move. Hunter also shares a free, tax-smart retirement workbook designed to help pre-retirees and retirees think through blind spots before they become real problems.

If you’re within a few years of retiring—or already there—and want your plan to handle both the sunshine and the storms, this video is a great place to start.