In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, Matthew Theal, and Joshua Winterswyk discuss the concept of sequence risk in retirement planning.

Sequence risk refers to the risk of receiving lower or negative returns early in a period when retirees begin to withdraw money from their retirement funds. They examine how strategies like portfolio diversification, maintaining a bigger cash reserve, and hiring a financial planner can mitigate sequence risk.

Nevertheless, they caution against relying on annuities, as they often yield poor returns.

00:02 Introduction to the Retirement Plan Playbook

02:21 Impact of Southern California’s Rain Storm

03:38 Discussing Federal Reserve Meeting and Interest Rates

09:03 Exploring the Influence of Tech Companies on Economy

13:24 Deep Dive into Sequence Risk and Retirement Planning

23:28 The Impact of Market Downturns on Retirement Portfolios

26:14 Strategies to Mitigate Sequence Risk

28:19 The Importance of Detailed Planning and Clear Communication

28:36 The Fear of Missing Out (FOMO) in Investment Decisions

29:30 The Controversy Surrounding Annuities

34:11 The Role of Financial Advisors in Retirement Planning

35:35 The Importance of Proactive Planning and Review

37:24 The Importance of Tax Planning in Retirement

38:35 Final Thoughts on Sequence Risk and Retirement Planning

40:46 Recommendations and Concluding Remarks

Connect with Evermont Wealth:

• matthew@evermont.com
• (909) 296-7977
• Evermont.com
• LinkedIn: Matthew Theal
• LinkedIn: Brent Pasqua
• LinkedIn: Joshua Winterswyk
• LinkedIn: Evermont Wealth