Here’s what we discuss in this episode:
🌐 Diversification: Spread income, investments, and taxes
⏳ Duration: Make your savings last longer
🛡️ Downside Protection: Limit damage during market declines
✈️ Discretionary Income: Plan confidently for life’s enjoyment
⚓ Portfolio Drag: Reduce fees, taxes, and inefficiencies
According to a recent Kiplinger article, there are five keys to a retirement plan that hold up over time. They all happen to start with the same letter, which either means it’s a great framework or someone really wanted it to work out that way. In this episode, Ryan walks through the “5 D’s” of retirement planning and how each one plays a role in helping retirees build a plan that can hold up over time.
Go Inside the Episode
0:00 – Intro
1:10 – Diversification
5:01 – Duration and Making Money Last
7:07 – Downsize Protection
9:40 – Discretionary Income
11:31 – Drag on Portfolio Returns
14:00 – Work with Ryan