There are two distinct phases in retirement planning. The first is accumulation: saving consistently, investing for growth, and staying invested through market cycles. This is the phase most financial advisers are trained for, and the one most people spend their working lives focused on. The second is distribution: turning savings into income, managing withdrawals for tax efficiency, coordinating Social Security timing, and planning for a retirement that may last 20 to 30 years or more. These phases require different strategies, different planning decisions, and often a different type of adviser. The challenge is that many people enter retirement still working with an adviser primarily focused on accumulation. Distribution planning is different, and many are stepping into it without a coordinated strategy.…