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Hidden Retirement Risk - the DAY you retire could matter more than how much you retire with.
Did you know that the day you retire could matter more than how much you retire with? It’s called sequence of return risk and it’s one of the biggest silent threats to retirement success. Here’s the scenario: Two retirees. Same $500,000. Same 5% withdrawals. Same long-term returns. Fifteen years later… One still has $560,000. The other runs out of money. The difference? The day each retired and unfortunate timing. If you retire right before a major downturn like in 2000 or 2008, those first couple years of big market drops can seriously derail your retirement income plan. Early losses hurt far more than losses later in retirement. And the worst part is no one knows what the market is going to do right after they retire. So without proper planning, your portfolio may never fully recover, even if markets eventually do. When this risk isn’t managed well, retirees are often forced into tough real-world decisions: • Cut their lifestyle sooner than planned • Take more investment risk later in life just to try to catch up • Or lock in losses by selling investments at the worst possible time This is why smart retirement planning focuses on more than just returns. It’s about: • Maintaining proper cash reserves to fund spending during market downturns • Knowing which accounts and investments to draw from first • Coordinating taxes, withdrawals, and portfolio structure • Designing an income plan that doesn’t rely on perfect market timing When done correctly, it allows you to ride out volatility without panic, lifestyle disruption, or dangerous risk-taking later in life. That’s the difference between hoping retirement works…and planning for it to work. And this should be one of the most important conversations you have with your planner. 🎯 For more insights like this, follow along. #RetirementPlanning #SequenceOfReturns #FinancialPlanning #RetirementIncome #WealthStrategy #MarketVolatility #SmartInvesting #FinancialAdvisor #InvestingForRetirement #WealthManagement #HighNetWorth #BusinessOwners #FinancialEducation #MoneyWisdom #RetirementReady
Thinking about selling a business? The amount you can bank on might surprise you.
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Thinking about selling a business? The amount you can bank on might surprise you.
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