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I know you and I were taught, you know, 20 plus years ago, at the big box firms, we were both talking about the whole, you know, moderately conservative, you know, moderately aggressive, that whole strategy, and none of it really made any sense. But today, because of technology, we’re
And what Wall Street needs is time with your money. But when you don’t have time, Wall Street’s not the place for the money. Now you could have Wall Street in some portion of the plan. But you can’t have it in all.
How much more could you lose by having to take money out of your accounts too early? How much could you lose by not getting the tax strategy right and having to overpay in taxes, remember, up to 85% of security benefit could become taxable. And so, all of these
In an up market. And at the top of the bull market. If you look at if you look at the statistics, you have a higher probability of running out of money if you retire at the top of a bull market, because you have a higher probability that when
I think it’s a combination of quite a few things. But you know, you look at a 12-year bull market run. Yeah, you know, that kind of lulls you to sleep a little bit right, you guys? False sense of confidence. And we’re talking about inflation. So, let’s talk about
I’ll tell you, the reason why people don’t really take Social Security serious is because when they talk to everybody, they say delay, delay, delay, delay, right? Well, that’s it. That’s not an answer. Delaying is not an answer, we really have to figure this out mathematically.
You want to preserve right, our clients are more concerned about the return of their money, rather than the return on money. Okay. That’s the most important thing in retirement, right? It’s the most important thing is that you provide yourself with a stream of income and distribution phase, which
This is what we see where people will spiral and run out of money. And they’re not running out of money in the first 10 years of retirement, they run out of money in like 15 to 20 years when they don’t have the physical health to go back to
Well, here’s what’s going to happen. It’s going to force people to have to take withdrawals from their stock portfolios when the portfolios are going down. And that’s a very dangerous thing to do. The biggest mistake people make when they’re when they’re planning for retirement or going into retirement
