Today, we're joined by Steve, a seasoned portfolio manager with over 40 years of experience. Steve has developed a unique, hands-on methodology for generating retirement income well beyond the typical 4% benchmark, with his own IRA portfolio yielding nearly 12% annually. He’s the author of Retirement Money Secrets, where he shares key principles for safely navigating retirement without touching your principal. Steve’s approach turns market volatility into an advantage, and we’re excited to have him share his insights with us today.