Many retirees and high savers carry far more risk than they think. Market volatility, lawsuits, healthcare costs, fraud, and cybersecurity threats can quietly undermine even well-funded retirement plans. In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan Schoonover break down what real risk management looks like and why diversification alone is not enough to protect your wealth.

We cover:

• Why market risk cannot be diversified away

• The difference between risk tolerance and risk capacity

• How large portfolio losses delay or derail retirement

• What a “safety percentage” is and why it matters

• How the barbell strategy balances protection and opportunity

• Non-market risks including lawsuits, healthcare costs, fraud, and cybersecurity

• Why comprehensive planning matters most in the distribution phase

🎧 Tune in to learn how to manage risk intentionally, protect your assets, and build a retirement plan designed for long-term stability and freedom.

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