Ep. 31 | The Retirement Risks Advisors Underestimate — and Why Clients Don’t Act Until It’s Too Late

Why do so many retirement plans look solid on paper but still fail in real life? In this episode of Unfiltered & Unstoppable, Rob Romesburg breaks down the biggest retirement risks advisors consistently underestimate and the real reason clients delay taking action until it’s almost too late. This is a raw conversation about human behavior, blind spots in retirement planning, and the disconnect between what advisors know and what clients actually do. Rob dives into the silent threats that derail retirement outcomes like sequence of returns risk, inflation, longevity, healthcare costs, and behavioral paralysis. More importantly, he explains why clients often ignore these risks even when they understand them and how advisors can change the conversation to drive urgency without fear-based selling. If you work with pre-retirees or retirees and want to improve client engagement, decision-making, and long-term outcomes, this episode is a must-listen.