Retirement planning should start at the onset of your professional career. Like many things in finance, the earlier, the better. Many residents and fellows can save into a retirement plan and receive matching contributions even during their training. Over the next 30-plus years as a medical provider, your investment returns will play a role in your preparedness for retirement, but returns are not the only important variable. You’ll also have to manage your lifestyle expenses, retirement savings, and many other aspects of creating a sound retirement plan. Understanding sequence of returns risk Many have become familiar with a risk over the last 15 years called the sequence of returns risk…