Big market swings. Regulatory changes. Headlines designed to scare you. For many retirees and pre-retirees, the biggest fear is simple: running out of money - or not knowing if your plan can handle the next “2008.”
In this episode of The Lord and Richards Show, CEO Colin Richards breaks down how to navigate uncertainty without falling into two extremes: panic-driven decisions (all cash) or overconfidence (taking on risk you cannot afford). He discusses why “turning off the noise” matters, how proper planning prepares you for what history shows is normal (like market downturns), and why your investment approach should shift as you get closer to retirement.
We cover:
• The two extremes that derail retirement plans: excessive fear vs. excessive optimism
• Why market downturns are not surprising - and how to stress test your portfolio for them
• The “end zone” strategy: why the plays should change as you approach retirement
• How hidden concentration happens inside mutual funds (and why it is not true diversification)
• How policy and rule changes (like Social Security strategy shifts) can reshape retirement planning
• Tools designed to help buffer downside risk, including buffered ETFs and principal-protected strategies
• Why flexibility matters - because life changes, markets change, and your plan should, too
Learn more: https://lordandrichards.com/
Call for your complimentary Retirement Freedom Review: 720-372-0400
Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser
