Are you prepared for a "Black Swan" event—a rare, unpredictable market crash that risk models don't see coming? In this episode of Safe Money and Income Radio, retirement specialist Daryl Blackmon introduces the powerful ideas of scholar Nassim Taleb to explain why most retirement plans are dangerously exposed to catastrophic risk.

Daryl breaks down his simple yet powerful "Red Money vs. Green Money" framework to help you assess your own portfolio. Learn the difference between "Red Money," which is exposed to market losses, and "Green Money," which is protected from downside risk while still offering upside potential. Discover why, for those at or near retirement, "going green" is the key to creating a secure financial future where you can shift market risk to large, safe companies and build a retirement plan you can truly count on.

This episode covers:

• Why recovering from a market loss requires a much greater percentage gain, costing you both money and irreplaceable time.

• How to get a guaranteed bonus of up to 10% and lock in income account growth of up to 7% without downside market risk.

• How to secure a guaranteed lifetime income that you cannot outlive, even during a Black Swan event.

• How to get a complimentary copy of the 115-page

  Safe Money and Income book, an insider's guide to no-market-risk strategies.

What is the key to a truly happy retirement? According to research, it isn't just a catchy song like "Don't Worry, Be Happy". Studies show that retirees with guaranteed lifetime income are consistently happier and worry less than those living off volatile retirement savings. In this episode of Safe Money and Income Radio, Daryl Blackmon explains how to stop gambling with your future and build a retirement you can count on.

Daryl uses a powerful casino analogy to illustrate the difference between risk-based investing and a "no market risk" strategy where you only get paid and can never lose your principal or locked-in gains due to market losses. He introduces the "Safety First" retirement plan, a time-tested strategy that prioritizes creating a guaranteed income floor that you can never live below. Learn how wealthy investors like Ben Stein and Shaquille O'Neal use these same principles to secure their own financial futures.

This episode covers:

• Why traditional financial advice asking about "risk tolerance" is a faulty, "pass the buck" question.

• How to create a guaranteed payday where your money only goes up and never down due to market performance.

• Strategies for business owners, property owners, and 401k participants to protect their hard-earned money from market loss.

• How to get a complimentary

  Safe Money and Income book and kit to see if a "Safety First" plan is right for you.

For decades, financial planners have relied on "spend-down" strategies and the so-called "4% rule" for retirement income. But is this advice dangerously outdated? In this episode of Safe Money and Income Radio, retirement specialist Daryl Blackmon reveals why this common approach, practiced by 95% of financial professionals, is a guessing game that puts your entire nest egg at risk.

Daryl explains how plans based on hypothetical growth and arbitrary withdrawal rates can fail catastrophically due to "sequential rate of return risk"—the devastating impact of a market loss early in retirement. He discusses research that debunks the 4% rule, showing that a truly safe withdrawal rate could be as low as 1.5% for some retirees.

This episode covers:

• The flawed theory behind spend-down income planning and the 4% rule.

• Why a "22% return" in the market isn't a real gain if your money is still exposed to risk.

• An alternative approach: "planning with a purpose," which focuses on creating a dependable, guaranteed income floor you can't outlive.

• How to build a retirement plan with the safety and reliability of a well-built house, designed to withstand any storm.

• How to receive a complimentary

  Safe Money and Income book and kit to learn more about creating a secure retirement with purpose.

Are you worried that a stock market crash could erase your hard-earned retirement savings? In this episode of Safe Money and Income Radio, host Darrell Blackmon, a military veteran and retirement and income specialist, introduces a powerful strategy to protect your profits and secure your financial future.

Listeners will learn about "no market risk" planning, an approach that allows you to participate in market gains while ensuring you never suffer losses from a market downturn. Darrell explains a concept called "annual reset," which locks in your gains each year so your account value can never go backward due to market volatility. This strategy is designed for those at or near retirement—typically between the ages of 50 and 75—who want to replace market uncertainty with principal guarantees and create a reliable, lifelong income stream they can't outlive.

This episode covers:

• How to build new value instead of spending years making up for losses.

• Asset protection and income planning strategies using insurance-based financial products.

• The difference between risk-based investments and a "gain and retain" financial strategy.

• How to ensure your retirement plan includes legacy and estate planning for your beneficiaries.

• How to get a complimentary copy of the

  Safe Money and Income book and kit to learn more about putting your retirement on autopilot.

In this episode of Safe Money and Income Radio, host Daryl Blackmon introduces a powerful way to re-evaluate your retirement savings: "Red Money vs. Green Money." He explains that "Red Money" is exposed to market risk for potential higher returns, while "Green Money" is focused on safety, security, and eliminating the risk of market losses.

Daryl argues that for those at or near retirement, protecting your principal is paramount, as recovering from losses requires significant gains and, more importantly, time you may not have. The discussion also delves into the concept of "Black Swan events" which are, unpredictable occurrences with major market impacts and why traditional investment models often fail to account for them. Discover how "Green Money" strategies can offer upside potential linked to market indexes without exposing your hard-earned savings to downside risk.

Key topics covered in this episode:

• The Red vs. Green Money Framework: Learn which type of money is appropriate for your stage of life and why those nearing retirement should "Go Green."

• The True Cost of Market Losses: Understand why a 50% loss requires more than a 50% gain to recover and the devastating impact of losing time.

• Black Swan Events: How rare, unpredictable events can impact your portfolio and why you should shift this risk to large, secure companies.

• Autopilot Investing: Discover strategies that provide principal protection, potential bonuses up to 10%, and guaranteed lifetime income growth.

• Receive a free copy of Retirement Simplified Roadmap:

  ⁠https://newretirement.safemoney.com/retirement-simplified-roadmap/⁠

  Ready to take control of your retirement? Visit www.SafeHBS.com or call 844-837-SAFE (7233) for a complimentary review!

  Check out our weekly newsletter here: https://safehbs.com/weekly-newsletter/

  Interested in market updates? Find them here: https://safehbs.com/weekly-market-commentary/

  
  

Are you concerned that market volatility could erase your hard-earned retirement savings? In this episode of Safe Money and Income Radio, host Daryl Blackmon, a retirement and income specialist, introduces a strategy designed to protect your retirement profits from market risk. He explains how you can participate in market gains without suffering from market losses, a concept he calls "no market risk planning."Using the analogy of the "Scream Machine" roller coaster, Darrell illustrates the power of "annual reset," a mechanism that locks in your gains each year so your account value can't go backward due to market downturns. This episode is a must-listen for those at or near retirement (ages 50-75) who want to safeguard their financial future.

Receive a free copy of Retirement Simplified Roadmap:

⁠https://newretirement.safemoney.com/retirement-simplified-roadmap/⁠

Ready to take control of your retirement? Visit www.SafeHBS.com or call 844-837-SAFE (7233) for a complimentary review!

Check out our weekly newsletter here: https://safehbs.com/weekly-newsletter/

Interested in market updates? Find them here: https://safehbs.com/weekly-market-commentary/

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In this episode of Safe Money and Income Radio, host Daryl Blackmon discusses the critical importance of risk management in retirement planning. He emphasizes that simply being 'good' at investing is not sufficient, especially as one approaches retirement. The conversation covers various strategies for wealth preservation, the impact of market corrections, and the significance of guarantees in retirement income. Blackmon also addresses the complexities of Social Security benefits and the necessity of safe assets in retirement. He encourages listeners to consider their legacy planning and the importance of transparency in financial advice, ultimately urging them to take action to secure their financial future.

Receive a free copy of Retirement Simplified Roadmap:

⁠https://newretirement.safemoney.com/retirement-simplified-roadmap/⁠

Ready to take control of your retirement? Visit www.SafeHBS.com or call 844-837-SAFE (7233) for a complimentary review!

Check out our weekly newsletter here: https://safehbs.com/weekly-newsletter/

Interested in market updates? Find them here: https://safehbs.com/weekly-market-commentary/

In this episode of Safe Money and Income Radio, Daryl Blackmon discusses the importance of securing retirement funds through no market risk strategies. He emphasizes the pitfalls of traditional market investments and the need for guaranteed income options. Blackmon provides insights into 401k rollovers, the significance of choosing the right financial professional, and the benefits of income planning over investment planning. He encourages listeners to take control of their retirement by exploring safe money options that protect against market losses.

Receive a free copy of Retirement Simplified Roadmap:

⁠https://newretirement.safemoney.com/retirement-simplified-roadmap/⁠

Ready to take control of your retirement? Visit www.SafeHBS.com or call 844-837-SAFE (7233) for a complimentary review!

Check out our weekly newsletter here: https://safehbs.com/weekly-newsletter/

Interested in market updates? Find them here: https://safehbs.com/weekly-market-commentary/