Too many retirees carry Wall Street level risk with retirement level income needs. 📉 In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan Schoonover unpack why affluent investors often have far too much downside exposure in the distribution phase and how to realign your portfolio with your true comfort level and long term plan.

We cover:

• Why many retirees have more risk than their plan can mathematically support

• How 30+ years of market history and 10,000 portfolio stress tests reveal hidden danger

• The Lord and Richards “safety percentage” and how to define your personal loss limit

• Asset allocation vs. asset location and why the purpose of money should dictate where you put it

• The barbell approach to balance guaranteed income, growth assets, and liquidity

• How holistic planning ties together risk, income, taxes, health care, and estate planning

🎧 Tune in to learn how to right size your risk, protect what you have built, and design a portfolio that helps you sleep at night and live with confidence in retirement.

Learn more: https://lordandrichards.com/

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Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.