Most people say they want “growth” in retirement. But what does that really mean?

In this eye-opening episode of Financial Strategies, Andrew and Daniel Agemy unpack one of the most misunderstood concepts in retirement planning: the difference between known growth and unknown growth—and why most retirees are chasing the wrong kind.

📌 Key Concepts Covered:

• Why "growth" means something different to advisors, retirees, and institutions

• The danger of relying solely on capital appreciation (stock prices going up)

• Why many portfolios are built on hope, not income

• The stress-free alternative: building portfolios with predictable, compounding income

• The “Elevator vs. Escalator” analogy—how market volatility vs. steady income impacts retirement mindset

• How to calculate total return: Growth = Income + Capital Appreciation

• Why dividends, interest, and contractual investments create stability retirees need

💡 You’ll also hear:

• Real-life stories of retirees surprised by hidden risk in their portfolios

• How a simple stress test can reveal if your retirement is built to last

• Why investing for income creates optionality, flexibility, and peace of mind

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