Welcome back to the Retirement Quick Tips Podcast! I'm your host, Ashley Micciche, and today I have some exciting news to share about the future of the podcast. First of all, if you've been a longtime listener, you've probably noticed that I've been away for most of the summer. And now that I'm back, I'm making some changes to the podcast. So I wanted to take a few minutes today to explain what's changing, why I'm making these changes, and what you can expect going forward.

Welcome back to the Retirement Quick Tips Podcast! I'm your host, Ashley Micciche, and today I have some exciting news to share about the future of the podcast. First of all, if you've been a longtime listener, you've probably noticed that I've been away for most of the summer. And now that I'm back, I'm making some changes to the podcast. So I wanted to take a few minutes today to explain what's changing, why I'm making these changes, and what you can expect going forward.

Welcome back to the Retirement Quick Tips Podcast! I'm your host, Ashley Micciche, and today I have some exciting news to share about the future of the podcast. First of all, if you've been a longtime listener, you've probably noticed that I've been away for most of the summer. And now that I'm back, I'm making some changes to the podcast. So I wanted to take a few minutes today to explain what's changing, why I'm making these changes, and what you can expect going forward.

A New Name, A New Format, and What's Next

Hi there, welcome to the retirement quick tips podcast, I'm your host Ashley Micciche, I've been a financial advisor for 19 years and my team and I currently manage $480 million in client assets for about 300 clients. We've got a lot to cover today during an interesting quarter for markets (where I spent much of it on the sidelines feeding and caring for a newborn!) so let's get into it!

Hi there, welcome to the retirement quick tips podcast, I'm your host Ashley Micciche, I've been a financial advisor for 19 years and my team and I currently manage $480 million in client assets for about 300 clients. We've got a lot to cover today during an interesting quarter for markets (where I spent much of it on the sidelines feeding and caring for a newborn!) so let's get into it!

Hi there, welcome to the retirement quick tips podcast, I'm your host Ashley Micciche, I've been a financial advisor for 19 years and my team and I currently manage $480 million in client assets for about 300 clients. We've got a lot to cover today during an interesting quarter for markets (where I spent much of it on the sidelines feeding and caring for a newborn!) so let's get into it!

A Divided Market - 3rd Quarter 2026 Commentary

What happens when you save for decades, you stop working, and then the market completely falls apart? If you've asked this question and you worry about retiring at the worst possible time, you are not alone. I've seen people get so paralyzed by the thought of retiring into a bad market or a bad economy that they put off retirement indefinitely. So today, I'm going to talk about why it can be truly devastating if you retire at the wrong time - and how you can take steps now to make sure that doesn't happen to you. If you're new here, hi, I'm Ashley, and I'm a financial advisor. For the last 19 years, I've been helping my clients navigate their retirement. If you're trying to plan for and live a fulfilled and financially secure retirement, that's exactly what this podcast is dedicated to. Please subscribe. All right, so I actually have been through this firsthand with my clients because I started my career back in 2007. In fact, September of 2007 is when I started, and it was right before the market peaked—before everything completely fell apart during the great financial crisis. I had clients who I was brand new to working with, and they were on the cusp of retirement or had just recently retired when the financial crisis hit. Sequence of returns risk: Before I talk about what you can do to prevent bad timing leading to really bad consequences, we need to talk about why investment losses early in retirement can be especially damaging… Why the order of your investment returns matters when you're taking withdrawals -- If you don't take steps to build a moat around your retirement to protect yourself from sequence of returns risk, it can and has been devastating for many people who unfortunately simply retired at the wrong time. Here's what I tell my clients, and here's how you can build that moat: <ol> <li dir="ltr" aria-level="1"> Stress test your plan: What a significant market decline could mean for your retirement income, spending, and investment portfolio. </li> <li dir="ltr" aria-level="1"> Backup income: How part-time work, consulting, or gradually transitioning into retirement can reduce pressure on your investments. </li> <li dir="ltr" aria-level="1"> Cash reserves: Why I recommend setting aside emergency savings, money for upcoming major purchases, and a separate reserve for planned portfolio withdrawals. </li> <li dir="ltr" aria-level="1"> Spending flexibility: How knowing your expenses and entering retirement debt free can make it easier to adjust during a downturn. </li> <li dir="ltr" aria-level="1"> Social Security timing: Why revisiting your claiming strategy may be worth considering, depending on your circumstances. </li> </ol> Your takeaway: Look at your retirement plan and ask: Where can I be flexible? What could I adjust now to give my portfolio more breathing room during the next downturn? Thanks so much for listening! If you found this useful and you're looking for time-tested ideas and strategies to plan a financially secure retirement, please hit that subscribe button and I'll see you next time! ---------- >>> Apple Podcasts: <a href= "https://apple.co/2DI2LSP">https://apple.co/2DI2LSP </a> >>> Spotify: <a href= "https://bit.ly/41sTKHs">https://bit.ly/41sTKHs</a> >>> Pandora: <a href= "https://bit.ly/47YTXnt">https://bit.ly/47YTXnt</a> >>> Stream Online: <a href= "https://truenorthra.com/podcast/">https://truenorthra.com/podcast/</a> ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance

What happens when you save for decades, you stop working, and then the market completely falls apart? If you've asked this question and you worry about retiring at the worst possible time, you are not alone. I've seen people get so paralyzed by the thought of retiring into a bad market or a bad economy that they put off retirement indefinitely. So today, I'm going to talk about why it can be truly devastating if you retire at the wrong time - and how you can take steps now to make sure that doesn't happen to you. If you're new here, hi, I'm Ashley, and I'm a financial advisor. For the last 19 years, I've been helping my clients navigate their retirement. If you're trying to plan for and live a fulfilled and financially secure retirement, that's exactly what this podcast is dedicated to. Please subscribe. All right, so I actually have been through this firsthand with my clients because I started my career back in 2007. In fact, September of 2007 is when I started, and it was right before the market peaked—before everything completely fell apart during the great financial crisis. I had clients who I was brand new to working with, and they were on the cusp of retirement or had just recently retired when the financial crisis hit. Sequence of returns risk: Before I talk about what you can do to prevent bad timing leading to really bad consequences, we need to talk about why investment losses early in retirement can be especially damaging… Why the order of your investment returns matters when you're taking withdrawals -- If you don't take steps to build a moat around your retirement to protect yourself from sequence of returns risk, it can and has been devastating for many people who unfortunately simply retired at the wrong time. Here's what I tell my clients, and here's how you can build that moat: Stress test your plan: What a significant market decline could mean for your retirement income, spending, and investment portfolio. Backup income: How part-time work, consulting, or gradually transitioning into retirement can reduce pressure on your investments. Cash reserves: Why I recommend setting aside emergency savings, money for upcoming major purchases, and a separate reserve for planned portfolio withdrawals. Spending flexibility: How knowing your expenses and entering retirement debt free can make it easier to adjust during a downturn. Social Security timing: Why revisiting your claiming strategy may be worth considering, depending on your circumstances. Your takeaway: Look at your retirement plan and ask: Where can I be flexible? What could I adjust now to give my portfolio more breathing room during the next downturn? Thanks so much for listening! If you found this useful and you're looking for time-tested ideas and strategies to plan a financially secure retirement, please hit that subscribe button and I'll see you next time! ---------- >>> Apple Podcasts: https://apple.co/2DI2LSP >>> Spotify: https://bit.ly/41sTKHs >>> Pandora: https://bit.ly/47YTXnt >>> Stream Online: https://truenorthra.com/podcast/ ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance

What happens when you save for decades, you stop working, and then the market completely falls apart? If you've asked this question and you worry about retiring at the worst possible time, you are not alone. I've seen people get so paralyzed by the thought of retiring into a bad market or a bad economy that they put off retirement indefinitely. So today, I'm going to talk about why it can be truly devastating if you retire at the wrong time - and how you can take steps now to make sure that doesn't happen to you. If you're new here, hi, I'm Ashley, and I'm a financial advisor. For the last 19 years, I've been helping my clients navigate their retirement. If you're trying to plan for and live a fulfilled and financially secure retirement, that's exactly what this podcast is dedicated to. Please subscribe. All right, so I actually have been through this firsthand with my clients because I started my career back in 2007. In fact, September of 2007 is when I started, and it was right before the market peaked—before everything completely fell apart during the great financial crisis. I had clients who I was brand new to working with, and they were on the cusp of retirement or had just recently retired when the financial crisis hit. Sequence of returns risk: Before I talk about what you can do to prevent bad timing leading to really bad consequences, we need to talk about why investment losses early in retirement can be especially damaging… Why the order of your investment returns matters when you're taking withdrawals -- If you don't take steps to build a moat around your retirement to protect yourself from sequence of returns risk, it can and has been devastating for many people who unfortunately simply retired at the wrong time. Here's what I tell my clients, and here's how you can build that moat: <ol> <li> Stress test your plan: What a significant market decline could mean for your retirement income, spending, and investment portfolio. </li> <li> Backup income: How part-time work, consulting, or gradually transitioning into retirement can reduce pressure on your investments. </li> <li> Cash reserves: Why I recommend setting aside emergency savings, money for upcoming major purchases, and a separate reserve for planned portfolio withdrawals. </li> <li> Spending flexibility: How knowing your expenses and entering retirement debt free can make it easier to adjust during a downturn. </li> <li> Social Security timing: Why revisiting your claiming strategy may be worth considering, depending on your circumstances. </li> </ol> Your takeaway: Look at your retirement plan and ask: Where can I be flexible? What could I adjust now to give my portfolio more breathing room during the next downturn? Thanks so much for listening! If you found this useful and you're looking for time-tested ideas and strategies to plan a financially secure retirement, please hit that subscribe button and I'll see you next time! ---------- &gt;&gt;&gt; Apple Podcasts: <a href="https://apple.co/2DI2LSP" rel="noopener noreferrer">https://apple.co/2DI2LSP </a> &gt;&gt;&gt; Spotify: <a href="https://bit.ly/41sTKHs" rel="noopener noreferrer">https://bit.ly/41sTKHs</a> &gt;&gt;&gt; Pandora: <a href="https://bit.ly/47YTXnt" rel="noopener noreferrer">https://bit.ly/47YTXnt</a> &gt;&gt;&gt; Stream Online: <a href="https://truenorthra.com/podcast/" rel="noopener noreferrer">https://truenorthra.com/podcast/</a> ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance

What If Now Is The Worst Possible Time To Retire?

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Focusing on what matters

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Focusing on what matters

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Focusing on what matters

40 Lessons: Focusing On What Matters

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Saving Money & Spending Money

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Saving Money & Spending Money

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Saving Money &amp; Spending Money

40 Lessons: Saving & Spending Money

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Building Character & Good Habits

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Building Character & Good Habits

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Building Character &amp; Good Habits

40 Lessons: Building Character & Good Habits

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Parenting

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Parenting

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Parenting

40 Lessons: Parenting

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Health.

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Health.

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Health.

40 Lessons: Health

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Dealing with people

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Dealing with people

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Dealing with people

40 Lessons: Dealing With People

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Investing.

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Investing.

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Investing.

40 Lessons: Investing

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about success.

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about success.

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about success.

40 Lessons: Success

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Avoiding Money Stupidity

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Avoiding Money Stupidity

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about Avoiding Money Stupidity

40 Lessons: Avoiding Money Stupidity

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about 3 inalienable truths (according to yours truly). These are my quirky, yet absolute beliefs that I've come to discover are inalienable…

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about 3 inalienable truths (according to yours truly). These are my quirky, yet absolute beliefs that I've come to discover are inalienable…

This week on the Retirement Quick Tips Podcast, I'm sharing with you 40 life lessons I've learned in my 40 years. Today, I'm talking about 3 inalienable truths (according to yours truly). These are my quirky, yet absolute beliefs that I've come to discover are inalienable…

40 Lessons: My Own Inalienable Truths…And One Thing I've Learned From This Podcast

Planning for retirement can be confusing. Ashley makes it simpler! Every week, you'll receive quick, actionable ideas to help you on your path to retirement.

Disclosure: https://drive.google.com/open?id=149ZdPZDQsnmXXslZ2j1TIEjP8i_BODi8

Business

Education

Self-Improvement

Investing

Planning for retirement can be confusing. Ashley makes it simpler! Every week, you'll receive quick, actionable ideas to help you on your path to retirement. Disclosure: https://drive.google.com/open?id=149ZdPZDQsnmXXslZ2j1TIEjP8i_BODi8

Share Retire With Ashley

Sign up to save your podcasts

Retire With Ashley

Retire With Ashley episodes

About Retire With Ashley

More shows like Retire With Ashley

Jill on Money with Jill Schlesinger

Sound Retirement Radio

Your Money, Your Wealth

Retirement Answer Man

Retirement Starts Today

The Retirement and IRA Show

Big Picture Retirement®

Stay Wealthy Retirement Podcast

Bogleheads On Investing Podcast

The Long View

Ready For Retirement

The Rob Berger Show

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

Money Moves with Jill Schlesinger

Retirement Planning Education, with Andy Panko