Blog

You plan to retire at 66. Your company has other ideas. Forced Retirement Risk is the danger of being pushed out of the workforce early, and it happens to about half of all retirees. It's a double blow: you lose your peak saving years while your retirement period gets longer. Our new article explains this high-probability threat and details a 4-part toolkit for building a more resilient plan. Learn how a "bridge fund," disability insurance, and flexible scenario planning can protect your financial blueprint from a timeline you don't control.

Did you know two retirees with the same average return can have wildly different outcomes? It’s all about timing. Sequence of Returns Risk is the danger of a bear market hitting in your first few years of retirement, a "critical launch failure" that can cripple your portfolio for good. When you're making withdrawals, the order of your returns matters more than the average. Our new article breaks down this devastating risk with a clear example and a 4-part toolkit of solutions, including the powerful "bucket strategy." Learn how to build a resilient plan that can survive a bad start.

A high net worth is useless in an emergency if you can't access your money. This is Liquidity Risk—the "house rich, cash poor" trap that forces retirees to sell assets at a loss to cover unexpected costs. Over-investing in real estate or a private business can make your financial plan fragile. Our new article explains this critical risk and details a 4-part toolkit for building a liquid and resilient retirement plan. Learn how a cash reserve, a contingent credit line, and a balanced portfolio can ensure you have access to your cash when you need it most.

Think your bond portfolio is "safe"? Think again. Interest Rate Risk is the danger that rising rates will cause the value of your existing bonds to fall, as millions of retirees learned during the bond market decline of 2022. Your portfolio's "duration" is the key; a 7-year duration means a 7% loss for every 1% rise in rates. Our new article explains this counterintuitive risk and details a 4-part toolkit for protecting your portfolio. Learn how to manage duration, build a bond ladder, and ensure the "safe" part of your portfolio stays stable when you need it most.

The stock market will crash. That's not a prediction; it's a historical certainty. Market Risk is the unavoidable volatility that comes with investing for the long-term growth needed to fund retirement. While you can't control the market, you can control your reaction to it. Panic selling during a downturn is what permanently destroys wealth. Our new article deconstructs Market Risk and details a 4-part toolkit for building a resilient, all-weather portfolio. Learn how proper asset allocation, disciplined rebalancing, and a simple "bucket" strategy can help you ride out the storms and stay on course to your financial goals.