Episode 67: The 3A.M. Question
Send us Fan Mail Adam and Lauren tackle sequence-of-returns risk — the danger that a market downturn hitting in the first few years of retirement can permanently damage a portfolio, even if long-term average returns turn out fine. Using a two-retiree comparison (same average return, different order of returns, very different outcomes), they explain why when bad years happen matters more than what the average return is. From there, they walk through Evolution's total-return withdrawal philosophy — pulling income from growth assets in up years and from steadier assets in down years, so retirees aren't forced to sell stocks at a loss — with a brief callback to last month's dedicated episode on the Evolution RoadMap framework for listeners who want the full breakdown. A hypothetical couple, illustrates how this plays out in practice. The episode closes with a segment on the behavioral side of the risk — how panic-selling during a downturn does more damage than the downturn itself — and three concrete action steps listeners can take this week. Get your hands on a copy of Private Wealth Manager and Certified Financial Fiduciary Adam Bruno's book, "They Lied: The Real Cost of Your Retirement," by downloading it at https://taxfreefortmyers.com/ . Discover the truth about the hidden costs of retirement and gain expert insights on how to live a Goal-Focused Retirement. Don't miss out on this essential read - download your copy today! Investment advisory services are offered through Evolution Wealth Management Inc., an investment advisor registered with the United States Securities and Exchange Commission (CRD No. 307644). Insurance services provided by Evolution Retirement Services. Evolution Wealth Management and Evolution Retirement Services are affiliated entities.
