Ep71 | Risk, Withdrawals, and the Portfolio That Supports Your Retirement Life

The portfolio that helped you build wealth may not be the same portfolio that helps you retire well.In this episode, Ray Godleski wraps up the retirement planning series with a deep dive into retirement investing. When withdrawals begin, the math changes. Volatility that felt manageable during your working years can become a real planning problem in retirement. This episode gives you a practical framework for thinking about risk, income, and how to build a portfolio designed for the life you actually want to live.You'll learn:Why retirement investing is fundamentally different from accumulation investingThe difference between risk tolerance and risk capacity, and why both matterWhat sequence of return risk is and how to plan around itHow to think about cash reserves, bond ladders, dividend strategies, and time segmentation bucketsWhy tax diversification across pre-tax, Roth, and taxable accounts gives you more flexibilityHow to know which dollars are for near-term spending, which are for growth, and which are for safetyTake the RISA Profile to discover your retirement income style before your next planning conversation:RISA Profile (Retirement Income Style Awareness): https://account.myrisaprofile.com/invitation-link/7D53JBKUZSIf you're within a few years of retirement and want clarity around your retirement plan, book a complimentary consultation to build a strategy tailored to you:Book a Consultation: https://app.greminders.com/e/9bfdfdf70740f21a2e1cec4140dd884dd4ef6365Tune in and make sure your portfolio is built for retirement, not just for getting there.🎙 Follow the show on Apple Podcasts: https://podcasts.apple.com/us/podcast/executive-retirement-compass-financial-planning-to/id1796392113📧 [email protected] welcome. Real answers given.Explore our free tools and resources at: www.YourNextStepFinancial.com