Our topic on this episode of the Ready for Retirement podcast is thinking through the question \u201cHow soon before retirement should you start to adjust your portfolio?\u201d James discusses the statistical and practical standpoints on this topic to help listeners develop a comprehensive view of this question and its trickle-down effects. By the numbers, there are several things to keep in mind: the data regarding positive returns in the S&P 500, your time until retirement, and ways to diver...