Known vs. Unknown Growth

Most people say they want “growth” in retirement. But what does that really mean?In this eye-opening episode of Financial Strategies, Andrew and Daniel Agemy unpack one of the most misunderstood concepts in retirement planning: the difference between known growth and unknown growth—and why most retirees are chasing the wrong kind.📌 Key Concepts Covered:Why "growth" means something different to advisors, retirees, and institutionsThe danger of relying solely on capital appreciation (stock prices going up)Why many portfolios are built on hope, not incomeThe stress-free alternative: building portfolios with predictable, compounding incomeThe “Elevator vs. Escalator” analogy—how market volatility vs. steady income impacts retirement mindsetHow to calculate total return: Growth = Income + Capital AppreciationWhy dividends, interest, and contractual investments create stability retirees need💡 You’ll also hear:Real-life stories of retirees surprised by hidden risk in their portfoliosHow a simple stress test can reveal if your retirement is built to lastWhy investing for income creates optionality, flexibility, and peace of mind🔔 Like, subscribe, and turn on notifications for more retirement education.