Accumulation vs Distribution
Most financial advisors focus ONLY on accumulation — growing your money. That means keeping your money invested in the stock market and watching it build over time. It works great when you’re still working and don’t need to touch your money.
But here’s the problem:
Most advisors never talk about what happens after you retire — when your income stops, and you actually need to start using that money.
That’s why, in retirement, the focus must shift to distribution —
turning your savings into reliable income for life.
