“Use the Rule of 100 to assess your risk tolerance and ensure your retirement income remains stable.”

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⌚️ Timestamps
0:00 – Introduction & What the Rule of 100 Means
0:31 – How the SEC Supports the Rule of 100 (100 minus your age)
0:57 – Why CD Financial finds Rule of 100 too conservative
1:32 – Income‑first approach for retirees: Why volatility can’t impact your paycheck
2:10 – Analogy: Free‑falling market & real‑life risk
2:46 – Why you shouldn’t rely on risky assets for discretionary spending
3:39 – Creating separate buckets: secure vs growth investments
4:13 – Behavioral shifts: Risk tolerance during market highs and lows
4:39 – Importance of a written retirement income plan
5:02 – Closing: Sleep well knowing income is protected

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

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