Accumulating and protecting wealth is the means to realizing your retirement vision. However, as you begin preparing for, and ultimately transitioning into retirement, new risks can take center stage. The rate of inflation, for example, becomes a much more important factor since you will no longer be able to rely on your salary increasing to keep pace. Whether market returns are positive or negative during the first few years of your retirement, that is, the sequence of returns risk takes on far greater significance. And perhaps the most challenging new risk is longevity.