Resilient Retirement

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Thinking about investing in SpaceX? Before you do, it's worth understanding one of the biggest mistakes investors make: confusing a great company with a great investment.

SpaceX has become one of the most talked-about private companies in the world. While SpaceX may continue to be an incredible business, companies like Facebook and Uber remind us that even exceptional businesses can experience disappointing returns after going public when expectations and valuations become too high.

We'll discuss:

- Why investors are so excited about SpaceX
- The difference between a great company and a great investment
- What Facebook and Uber can teach us about IPO investing
- Five questions to ask before investing in any IPO
- How speculative investments fit into a long-term retirement plan

Most investment mistakes aren't caused by bad math.  They are caused by emotion.


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Investment advisory services are offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those of Foundations and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Comments regarding a particular client’s experience may or may not be the same as another client’s experience and is not an indication that any client or prospective client will experience the same or a higher level of future success or performance. Any discussion of performance or returns is not indicative of future results. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. Foundations only transacts business in those jurisdictions where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. No legal or tax advice is provided. Always consult with a professional.

#spacex #ipo #investing #financialplanning #retirementplanning  #daviddurham

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As you approach retirement, you’ve probably been told that you need to get more conservative with your investments.  

While that advice is common, applying it without considering your personal situation could significantly reduce your long-term growth and weaken the resilience of your retirement plan.

In this episode, David shares a recent conversation with a client that highlights a massive retirement misconception. 

The truth is, there is no one-size-fits-all rule for how much risk you should take.

We'll compare two retirees who each have $1 million saved, yet one may be able to invest as aggressively as someone in their 30s while the other may benefit from a more conservative approach. 

The difference isn't their age or portfolio size. It comes down to:

- Income sources
- Your lifestyle liabilities & goals
- Risks that existed in their plan

David also shares a real-world story of a retiree whose portfolio fell 45% because they didn't fully understand the amount of risk they were taking, and how situations like that can often be avoided with proper planning.

💬 Do you think most retirees are too conservative or take too much risk? We'd love to hear your thoughts in the comments.


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Investment advisory services offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. The views, statements and opinions expressed herein are those of the individual speakers and not necessarily of Foundations or their affiliates. The content provided is for educational purposes only. No investment, legal or tax advice is provided. Always consult with a professional.

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#retirementplanning  #retirementinvesting #investmentrisk #financialplanning #assetallocation #daviddurham

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After spending decades of saving for retirement, how do you actually turn that money into reliable income that will last the rest of your life?

In this video, David breaks down the transition from the accumulation stage to the distribution stage of life. 

To make it simple, we explore the 3 traditional strategies used to generate retirement income:

🏄‍♂️ 1. The Surfing Approach: Aggressive  

🚢 2. The Cruising Approach: Moderate and steady  

☕ 3. The Bottomless Coffee Approach: Set-It-And-Forget-It 

We’ll look at the pros and cons of each, and how you can blend all three to cover your essentials, fund your fun, and beat inflation.

The best strategy isn't the one that makes the most money… it's the one that fits your plan and that you can stick with.

💬 Which style fits your personality best? Are you a surfer, a cruiser, or a bottomless coffee lover? Let us know in the comments!


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Investment advisory services offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. The views, statements and opinions expressed herein are those of the individual speakers and not necessarily of Foundations or their affiliates.  The content provided is for educational purposes only.   No investment, legal or tax advice is provided.    Always consult with a professional.

#retirementincome #retirementplanning #retirementinvesting #financialplanning #retirement #daviddurham

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A major market downturn early in retirement can permanently impact how long your money lasts and, for some retirees, increase the risk of running out of money altogether.

In this video, David explains Sequence of Return Risk and shares practical strategies to help protect your retirement and sleep better at night, regardless of what the market does.

The five years before retirement and the first five years after retirement may be the most critical financial window of your life. 

Learn a few simple, actionable considerations to help build a resilient retirement plan designed to withstand any market environment.

You can't control the stock market, but you CAN control your plan. 


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Investment advisory services offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. The views, statements and opinions expressed herein are those of the individual speakers and not necessarily of Foundations or their affiliates.  The content provided is for educational purposes only.   No investment, legal or tax advice is provided.    Always consult with a professional.

#RetirementPlanning #StockMarketCrash #RetirementIncome #MarketVolatility #RetirementInvesting

📘 Get your FREE COPY of Resilient Retirement

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You’ve probably been told you need at least $1 million saved to retire comfortably. While it can be true for some, it's actually one of the most misleading rules of thumb in the industry. 

In this video, David explains why retirement isn't about hitting an arbitrary net worth number.  It's about income, lifestyle, flexibility and having a thoughtful plan and approach that works for you and your situation. 

Using two real-world examples, you'll see why a couple with $500,000 is much better positioned for retirement than a couple with $1 Million.

We’ll discuss:  
- Lifestyle & spending needs 
- Social Security and other income sources
- Life expectancy considerations
- Financial flexibility during market downturns

A resilient retirement isn't built around a magic number.  It's built around a plan.  Let's dive in.  


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Investment advisory services offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. The views, statements and opinions expressed herein are those of the individual speakers and not necessarily of Foundations or their affiliates.  The content provided is for educational purposes only.   No investment, legal or tax advice is provided.    Always consult with a professional.

#retirementplanning #retirementsavings #retirementincome #financialplanning #retirement