Most Americans think the biggest financial threat today is inflation.

Others blame politics.

Some point to the stock market.

But those may simply be symptoms of a much larger shift that is already underway.

The real threat is retirement — and here’s why.

For the first time in American history, millions of Baby Boomers are entering retirement and beginning to draw from the very accounts they spent decades building.

Think about that.

An entire generation is moving from accumulating wealth to spending it.

And they’re doing it at a time when America’s debt exceeds $36 trillion, government spending continues to accelerate, and the purchasing power of the dollar appears to decline year after year.

Most people spend their entire lives preparing for retirement, believing it is the finish line.

But in reality, it may be the most financially vulnerable period of your life.

By the time many people reach retirement, the rules have changed, markets have shifted, and portfolios may already be under pressure.

A major market decline in your 40s may be inconvenient.

A major market decline in your 60s can be devastating.

When you’re retired, you don’t have another twenty years to recover.

You don’t have another career to rebuild.

You don’t get a second chance to replace what was lost.

That’s why smart Americans are no longer focused solely on growth.

They’re asking a different question:

“How much of my wealth can I protect?”

In periods of uncertainty, tangible assets that cannot be printed, diluted, or created with the push of a button can play an important role in retirement planning.

Not promises.

Not projections.

Not paper.

Real assets.

The Great Retirement Transfer has already begun.

Positioning yourself before the risks become obvious is often what separates those who prepare from those who react too late.

Get your complimentary Retirement Checklist and discover why more investors are exploring retirement strategies often overlooked by traditional financial advisors.