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Retirement offers a level of freedom most people dream about for decades. No more early alarms, commutes, or meetings. But once the initial excitement fades, many retirees find themselves wondering how to spend their days in a way that feels meaningful, productive, and enjoyable.

If you’ve spent any time around personal finance or investing, you’ve probably heard this phrase more than once: “Make sure you’re diversified.” It’s a concept that gets thrown around so often, it can begin to lose its impact. But diversification isn't just investment jargon — it's one of the most effective risk management strategies available to investors.

When it comes to managing your financial future, trust is not optional—it’s essential. Whether you're planning for retirement, investing for the future, or managing your estate, having the right financial advisor can make a significant difference. One of the most critical distinctions in the world of financial advice is whether or not your advisor is a fiduciary.

If you’ve spent any time around personal finance or investing, you’ve probably heard this phrase more than once: “Make sure you’re diversified.” It’s a concept that gets thrown around so often, it can begin to lose its impact. But diversification isn't just investment jargon — it's one of the most effective risk management strategies available to investors.