Beware the Retirement Hazard Zone: Those Years Right After Age 59½

The decisions you make in the four to five years right after you hit that pivotal age can have a big impact on the rest of your retirement.

A lighted road construction sign says Your Future Ahead.
(Image credit: Getty Images)

Your life can break down into three phases when it comes to your retirement journey.

The first is your accumulation phase when you save money into your savings accounts, IRAs and 401(k)s.

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This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.

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Chris Abeyta
Financial Adviser, Co- Founder, Accelerated Wealth

Based in beautiful Colorado Springs, Colorado, Chris is one of the owners who helped launch Accelerated Wealth, LLC, a nationwide wealth strategy firm, and is one of the original creators of the Accelerated Wealth Five Basket Strategy™. Chris is a featured editorial contributor to He has a Bachelor of Business Administration (BBA) from the University of New Mexico, Anderson Schools of Management, and his Master of Business Administration (MBA) degree from the University of Texas, Tyler Branch. Chris has co-hosted a popular radio show called The Smartest Retirement Show and currently co-hosts the Accelerated Wealth Radio Show, which broadcasts on the largest talk radio station in Colorado Springs. Chris has also been published and featured on