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Why IRAs Became the Foundation of Retirement Planning

Pensions are gone. IRAs and 401(k)s replaced them, and you became responsible for your future. In this clip, Michael Clark of Protection Point Advisors breaks down the big shift from guaranteed retirement income to self-funded plans and how IRAs became the core of modern retirement strategies. It’s not about free money — it’s about postponing taxes until you (hopefully) hit a lower tax bracket.

💡 Understanding the “why” behind IRAs helps you use them smarter.

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