The Architecture of Wealth Shownotes:

Could retiring in the 2020s be as bad as retiring in the late 60s? Now is a scary time for retirees. 

Mark reviews a Barron's article about sequence-of-return risk and the luck (or bad luck) of retiring before a bad stretch of stock and/or bond market returns.

https://www.barrons.com/articles/retirement-recession-bear-market-51657228473?mod=past_editions

Mark expands on how the 4% rule relates to some of the article's observations. While equities are critical for the inflation adjustment to work on withdrawals, putting some thought into your emergency fund and the increased use of bonds can help weather a bad-decade storm. Some other solutions Mark touches on:

• Have more assets at retirement

• A bond tent 

• Increasing from 40%-70% from age 55-56

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Mark Struthers

The Architecture of Wealth Podcast is for educational purposes only. Investment Advisory Services are offered through Sona Financial LLC (DBA Sona Wealth and Sona Wealth Management), a registered investment adviser authorized to do business in states where registered or otherwise exempt from registration. Nothing discussed during this show/episode should be viewed as investment advice. If you have questions pertaining to your specific situation, please consult your own financial professional.