06/24/2026
Here's something most people never hear until it's too late. Two retirees start with the same savings, take out the same income, and earn the same average return over their first ten years. One ends the decade in great shape. The other is on track to run out of money. The only difference: the order their good and bad years arrived. A market drop in the first years of retirement does damage a later drop never could, because you're selling while values are down. And over a 20 to 30 year retirement, an early rough patch somewhere is almost a given. The fix isn't to guess the market. It's to protect the slice of money you'll draw from first, so bad timing can't force your hand. That's a big part of what I help people set up. Want to see it with your own numbers? Book a free 15-minute call:
A relaxed, no-pressure phone call in plain English. We'll spend 15 minutes on whatever's on your mind about retirement — protecting your savings, creating income that lasts, or simply getting a second opinion — and see together whether it makes sense to meet. No cost, no obligation, and nothing ...
