In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, Matthew Theal, and Joshua Winterswyk discuss the concept of sequence risk in retirement planning.
Sequence risk refers to the risk of receiving lower or negative returns early in a period when retirees begin to withdraw money from their retirement funds. They examine how strategies like portfolio diversification, maintaining a bigger cash reserve, and hiring a financial planner can mitigate sequence risk.
Nevertheless, they caution against relying on annuities, as they often yield poor returns.
00:02 Introduction to the Retirement Plan Playbook
02:21 Impact of Southern California’s Rain Storm
03:38 Discussing Federal Reserve Meeting and Interest Rates
09:03 Exploring the Influence of Tech Companies on Economy
13:24 Deep Dive into Sequence Risk and Retirement Planning
23:28 The Impact of Market Downturns on Retirement Portfolios
26:14 Strategies to Mitigate Sequence Risk
28:19 The Importance of Detailed Planning and Clear Communication
28:36 The Fear of Missing Out (FOMO) in Investment Decisions
29:30 The Controversy Surrounding Annuities
34:11 The Role of Financial Advisors in Retirement Planning
35:35 The Importance of Proactive Planning and Review
37:24 The Importance of Tax Planning in Retirement
38:35 Final Thoughts on Sequence Risk and Retirement Planning
40:46 Recommendations and Concluding Remarks
Connect with Evermont Wealth:
Ep 21: Retirement Planning Strategies In A Recession
Ep 20:What To Do When The Stock Market Declines
Ep 19: The Impact Of The Coronavirus On The Stock Market
Ep 18: Kobe Bryant & Financial Planning
Ep 17: A Decade Of Financial Planning
Ep 16: How The SECURE Act Will Impact Your Retirement In 2020
Ep 15: Financial Planning 101
Ep 14: The Mailbag Show
Ep 13: 8 Financial To-Do's Before The End Of The Year
Ep 12: DIY Retirement Plan
Ep 11: The Truth About Annuities
Ep 10: Why Business Owners Need To Get A Business Valuation
Ep #9: Should You Move Out Of California When You Retire?
Ep #8: 5 Keys To Being A Successful Investor
Ep #7: 401(k) Or IRA - Which Is Better?
Ep #6: Important Retirement Ages
Ep #5: Love or Hate - Personal Finance Rules of Thumb
Ep #4: Underdog Concepts
Ep #3: 5 Mistakes That Could Sink Your Retirement
Ep #2: Social Security Basics
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