How Sequence of Return Risk Can Ruin Retirement — And How to Stop It

Sequence of Return Risk: The Hidden Retirement Danger No One Talks About explores one of the most overlooked threats to your financial future. In this episode, the BA podcast guys break down how the timing of market returns can impact your retirement income, even if your overall investment returns look strong on paper. You’ll learn what sequence of return risk really means, why it matters most in the early years of retirement, and how smart strategies like bucketed investing and dynamic withdrawal planning can help protect your savings. Whether you’re approaching retirement or just starting to invest, this video will help you make smarter, safer financial decisions. If you’re serious about building long-term wealth, avoiding costly retirement mistakes, and creating a stable income for the future, this episode is for you. Subscribe to the BA podcast guys for more real-world investing advice, retirement planning tips, and financial education content. ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖
Timestamps: 00:00
– Introduction 01:27
– Listener question about retirement risk 01:40
– What sequence of return risk mean 04:31
– Retiree A vs B real-world example 05:30
– How bad early years drain savings 08:24
– Strategies to reduce retirement risk 09:31
– Cash reserves and safe investments 10:46
– Ongoing risk monitoring and guardrails 11:24
– Final advice and episode wrap-up ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖
📈 Welcome to Best Advice Podcast Guys! We bring you expert financial advice, success stories, and insights from top industry leaders. Hosted by Robert Lovaglio and a panel of experienced financial professionals—including Frank Lovaglio, RFC®, David Allen, CFP®, Mitchell Walk, AAMS®, Austen Jacks, CFP®, and Mitch Allen, CFP®—we break down the strategies that drive wealth, success, and financial freedom. ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖
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