Building a retirement income strategy involves more than selecting dividend-paying stocks. A focus on total return — which includes both growth and income — can offer a more comprehensive approach for long-term planning.

• Relying solely on dividend-paying stocks may reduce portfolio diversification and growth potential
• Total return (income + growth) can provide a broader view of long-term investment outcomes
• Asset location strategies may improve tax efficiency depending on the type of account
• Bond ladders with staggered maturities can help create more consistent income over time
• Annuities can provide structured income, though they may have limitations such as fees or inflation sensitivity
• The most effective strategy is one that aligns with your goals, risk tolerance, and understanding
• Be cautious with complex products — understanding fees, liquidity restrictions, and structure is essential

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Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

“Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions.

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