How To Truly Diversify Your Retirement Portfolio

What if your retirement plan could weather any market storm without the guesswork? This episode dives into the realities of market ups and downs, why true diversification goes beyond just stocks and bonds, and how a well-crafted financial plan can protect your income and minimize taxes, no matter what the headlines say. Whether you’re worried about interest rates, inflation, or outliving your savings, this conversation offers practical insights for building a resilient retirement. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights: 🖱️ Facebook- https://bit.ly/3PmJcSt 🖱️ LinkedIn- https://bit.ly/44T88a9 🖱️ X - https://bit.ly/3PHxqDJSee omnystudio.com/listener for privacy information.

What if your retirement plan isn’t worth the fancy binder it came in? Ryan Herbert dives into the hidden pitfalls of traditional retirement planning and exposes why many glossy plans leave retirees anxious and unprepared. He shares real stories of clients who discovered their plans were built on shaky assumptions and how a detailed, step-by-step approach can provide added peace of mind. Learn why understanding your income sources, realistic spending, and emotional readiness are just as vital as investment returns. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights: 🖱️ Facebook- https://bit.ly/3PmJcSt 🖱️ LinkedIn- https://bit.ly/44T88a9 🖱️ X - https://bit.ly/3PHxqDJSee omnystudio.com/listener for privacy information.

Are you tempted to raid your 401k to wipe out debt before retirement? Discover why that move could cost you more than you think. Ryan Herbert dives into the real financial and tax consequences of paying off mortgages and other debts with retirement savings. Learn how lifestyle choices, tax brackets, and even Medicare premiums are affected and why a true income plan matters for lasting financial security. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights: 🖱️ Facebook- https://bit.ly/3PmJcSt 🖱️ LinkedIn- https://bit.ly/44T88a9 🖱️ X - https://bit.ly/3PHxqDJSee omnystudio.com/listener for privacy information.

Are you unknowingly leaving your retirement savings stranded in cash? Ryan Herbert dives into the hidden risks of rolling over your 401(k) and letting your money sit idle. Discover why “paralysis by analysis” keeps investors from making smart moves, the pitfalls of market timing, and practical alternatives like annuities and structured notes. Learn how to make your wealth work harder, minimize risk, and plan for a secure retirement all before the year ends. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights: 🖱️ Facebook- https://bit.ly/3PmJcSt 🖱️ LinkedIn- https://bit.ly/44T88a9 🖱️ X - https://bit.ly/3PHxqDJSee omnystudio.com/listener for privacy information.

Does your CPA really know how to properly tax pan? Mike Canet & Ryan Herbert dive into real stories of retirees and business owners who trusted advisors only to discover costly mistakes in their financial and tax planning. They reveal how a second opinion saved one client over $15 million in taxes and helped another family untangle a web of annuities. Learn why “going along” isn’t always in your best interest, and how proactive planning can protect your wealth. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights: 🖱️ Facebook- https://bit.ly/3PmJcSt 🖱️ LinkedIn- https://bit.ly/44T88a9 🖱️ X - https://bit.ly/3PHxqDJSee omnystudio.com/listener for privacy information.

What if your biggest retirement asset is also your biggest tax trap? Ryan Herbert dives into the realities of 401(k) withdrawals, required minimum distributions (RMDs), and how shifting tax laws could quietly erode your nest egg. This episode unpacks why following “Uncle Sam’s plan” may cost you far more than you expect and how proactive tax planning can save hundreds of thousands over your lifetime. Learn the pitfalls of relying on default strategies, the impact of future tax rates, and actionable steps to protect your legacy. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights: 🖱️ Facebook- https://bit.ly/3PmJcSt 🖱️ LinkedIn- https://bit.ly/44T88a9 🖱️ X - https://bit.ly/3PHxqDJSee omnystudio.com/listener for privacy information.

What do Thanksgiving-flavored Oreos have in common with mutual funds? Sometimes, what looks exciting on the shelf doesn’t deliver in reality. In this episode, Ryan Herbert dives into the world of target date mutual funds and exploring why these “set it and forget it” investments may not be as safe as they seem, especially as retirement approaches. Learn how marketing hype can mask hidden risks and fees, and discover a smarter approach to retirement planning that’s tailored to your goals, not just your age. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights: 🖱️ Facebook- https://bit.ly/3PmJcSt 🖱️ LinkedIn- https://bit.ly/44T88a9 🖱️ X - https://bit.ly/3PHxqDJSee omnystudio.com/listener for privacy information.

What if your retirement income could be as reliable as your old paycheck? Ryan Herbert dives into the real-world confusion around TIAA accounts, annuities, and the strategies that can turn your nest egg into a steady stream of income. He breaks down the pros and cons of annuities, the risks of relying solely on the market, and why true retirement planning means more than just picking investments... It’s about creating confidence, flexibility, and a plan that lets you enjoy life without outliving your money. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights: 🖱️ Facebook- https://bit.ly/3PmJcSt 🖱️ LinkedIn- https://bit.ly/44T88a9 🖱️ X - https://bit.ly/3PHxqDJSee omnystudio.com/listener for privacy information.

Are you letting market noise dictate your retirement peace of mind? Ryan Herbert & Lawrence Kiely dive into the crucial difference between chasing stock market gains and securing your monthly income for life. Discover why retirees who focus on income buckets can confidently tune out market volatility, maintain their lifestyle, and avoid the stress of sudden downturns. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights: 🖱️ Facebook- https://bit.ly/3PmJcSt 🖱️ LinkedIn- https://bit.ly/44T88a9 🖱️ X - https://bit.ly/3PHxqDJSee omnystudio.com/listener for privacy information.

Ryan Herbert & Lawrence Kiely discuss a dramatic story of two brothers with identical savings but wildly different outcomes, revealing how market timing and preparation can make or break your financial future. They unpack the “sequence of returns” risk, the importance of income planning, and why having a strategy matters more than chasing market highs. Discover how to safeguard your lifestyle, prepare for the unexpected, and focus on enjoying retirement instead of fearing it. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights: 🖱️ Facebook- https://bit.ly/3PmJcSt 🖱️ LinkedIn- https://bit.ly/44T88a9 🖱️ X - https://bit.ly/3PHxqDJSee omnystudio.com/listener for privacy information.