For many people approaching retirement, the question is no longer, “How much can I save?” The question becomes, “How can my money work for me?” After years—sometimes decades—of hard work, disciplined saving, and investing, you’ve built something meaningful. The focus now shifts from accumulation to preservation, income, and creating a strategy that supports the lifestyle you’ve worked so hard to achieve. Yet many retirement portfolios remain on autopilot. Old 401(k)s, IRAs, a