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If you started late on retirement savings, the advice designed for 25-year-olds is actively working against you. A 15-year runway requires a completely different strategy — different portfolio structure, different tax moves, and a different way to measure progress.In this video, I break down exactly what to do differently if you're starting at 45, 50, or even 55:
Why broad diversification can actually hurt late starters (and what to own instead)
The Roth conversion window: how a 55-year-old with $250,000 in a traditional IRA can walk away with $45,000 more in after-tax dollars
Why a conservative 60/40 portfolio could cost you $60,000 compared to an 80/20 allocation
How to calculate your "gap number", the exact monthly dollar amount that closes your retirement shortfall
Why the biggest risk you face isn't losing money...it's outliving it



*Disclaimer: Bob is not a financial advisor. No information, expressed or implied, indicates any level of financial, tax, or legal advice. Please contact a professional & licensed advisor prior to making any decisions. Some of the links and other products that appear on this video are from companies in which Bob Sharpe earns an affiliate commission or referral bonus. Bob Sharpe is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be avai