Group 1 - Smart financial planning should continue into retirement to maintain a comfortable lifestyle [1] - Responsible retirees make informed financial and investment decisions to manage their portfolios [1] Group 2 - Adjusting investments according to risk capacity is crucial, which involves understanding how much of the portfolio can be lost without financial distress [2] - It is recommended to move funds from stocks and illiquid investments to more accessible options like high-yield accounts, money market funds, or short-term bonds [3] Group 3 - Regularly reviewing asset allocation is essential for minimizing risk and maximizing returns, especially during retirement when steady income is no longer guaranteed [4][5] - In retirement, asset allocation should focus on capital preservation and income generation, with a balanced exposure to stocks for future growth [6] Group 4 - Hiring financial professionals can provide valuable assistance in managing portfolios, taxes, and estate planning [7] - A financial planner can align investment strategies with long-term goals, ensuring tax efficiency and income stability [8]