When planning for retirement, many people focus on portfolio risk and risk tolerance, but the most important—and often overlooked—factor is risk capacity.

💡 What is risk capacity? It’s your actual ability to take financial risks in retirement. In today’s video we discuss how looking at these 4 factors can help you determine the level of risk you can afford to take:

✔️ Time

✔️ Income

✔️ Portfolio Size

✔️ Budget & Expenses

We also share practical strategies you can take to increase it before and during retirement—so you can make confident financial decisions.

🔹 Are you taking on too much or too little risk?

🔹 How can you increase your risk capacity?

🔹 What steps should you take today to protect your future?

Don’t let hidden risks derail your retirement—watch now to take control!

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TIMESTAMPS

00:00 How Risky Should I Be with My Retirement?

01:00 Signs that your risk tolerance is misaligned with your risk capacity

02:52 Determining you risk capacity: Time

03:22 Determining your risk capacity: Income

04:25 Determining your risk capacity: Size of portfolio

05:23 Determining your risk capacity: What’s your budget?

06:50 Increase your risk capacity by managing time

07:41 Increase your risk capacity by increasing income

09:30 Increase your risk capacity by increasing contributions

10:35 Increase your risk capacity by getting rid of debt & liabilities

12:45 Steps to take today

Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/

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Learn the key components you need to include in your retirement plan. Check this video out: https://youtu.be/QkJzvbZ_gDs

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DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.