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  "path": "/opinion/2026/04/four-hidden-drags-on-your-retirement-portfolio-bill-smith.html",
  "publishedAt": "2026-04-26T16:30:00.000Z",
  "site": "https://www.cleveland.com",
  "textContent": "Retirement success is not determined solely by what you invest in. It is shaped by how everything works together -- and how small inefficiencies compound over time, writes guest columnist Bill Smith.",
  "title": "Four hidden drags on your retirement portfolio: Bill Smith"
}