JChristopher Group

08/25/2026

We’ve been hearing a lot about the bond market lately.

And whether you realize it or not, bonds may have had a significant impact on the performance of your retirement portfolio.

For years, bonds have been considered the “safe” portion of a diversified portfolio. But when you look at what’s happened over the past five years, the numbers might surprise you.

Could the part of your portfolio designed to keep you safe actually be holding back your returns?

I break it down in my latest blog—and discuss a different way to think about growth, protection, and diversification in retirement.

Click the link 👇to read the blog:
https://www.j-chris.com/post/the-hidden-drag-on-your-retirement-portfolio

08/19/2026

For most of your working life, your retirement money had one primary job:

**Grow.**

But once retirement gets closer… should every dollar still be doing the same job?

Over the next few weeks, I’m going to introduce a different way to think about retirement planning.

It starts with one simple question:

**Does every retirement dollar you own have a job?**

More to come.

08/17/2026

For most of your working life, your retirement savings had one primary job:

**Grow.**

But as you approach retirement, your money may suddenly need to do several very different things:

**Provide income.**
**Create greater stability.**
**Continue pursuing long-term growth.**

So here’s a question worth considering:

**Should every retirement dollar still be doing the same job?**

Over the next few weeks, I’ll be introducing a different way to think about retirement planning:

**Purpose-Based Retirement Planning™**

Because we believe:

**Every retirement dollar deserves a purpose.**

07/27/2026

As Heard on WHAM 1180's ROC Your Life Radio! Before you invest another retirement dollar, discover strategies and opportunities many retirees don't know exist. No pressure. No surprise sales calls. Just valuable information to help you make informed financial decisions.

Get clarity on your income options

07/20/2026

As Heard on WHAM 1180's ROC Your Life Radio! Before you invest another retirement dollar, discover strategies and opportunities many retirees don't know exist. No pressure. No surprise sales calls. Just valuable information to help you make informed financial decisions.

Learning ways to turn savings into income

07/13/2026

As Heard on WHAM 1180's ROC Your Life Radio! Before you invest another retirement dollar, discover strategies and opportunities many retirees don't know exist. No pressure. No surprise sales calls. Just valuable information to help you make informed financial decisions.

Build a plan for income, taxes & timing

07/10/2026

A quick guide to key Social Security decisions.

07/09/2026

With markets near record highs and uncertainty always around the corner, many pre-retirees and retirees are taking a fresh look at their portfolios. They're discovering that reducing risk doesn't necessarily mean giving up the opportunity for growth.

In this new blog, I explain:
✅ Why sequence-of-returns risk can have a lasting impact on retirement
✅ Why the traditional stock-and-bond approach may not be enough for everyone
✅ How many retirees are repositioning a portion of their savings to better balance growth potential and protection

If you're within 10 years of retirement—or already retired—this is a strategy worth understanding before the next market downturn.

📖 Read the blog here: https://www.j-chris.com/post/with-markets-near-record-highs-why-more-pre-retirees-and-retirees-are-reducing-risk-without-giving

📞 Questions about your own retirement strategy? Call the JChristopher Group at 585-490-1969 to schedule your complimentary Retirement Risk Review.

Investments, Retirement Information, Safe Money Alternatives, Legacy Planning, Rollovers, Insurance, Social Security Planning, Retirement Income

07/06/2026

As Heard on WHAM 1180's ROC Your Life Radio! Before you invest another retirement dollar, discover strategies and opportunities many retirees don't know exist. No pressure. No surprise sales calls. Just valuable information to help you make informed financial decisions.

Guide for turning retirement savings into income