The Retirement Trap

What if the biggest risk to your retirement isn’t the market crashing… but the way your portfolio is built?In this episode of the Financial Strategies Podcast, Andrew and Daniel Agemy explore the concept of bull and bear market cycles and how they’ve shaped investing history for over a century. They explain why many retirees are unknowingly exposed to long periods of low or no market growth — and how that can derail even the most well-funded retirement plans.The conversation also introduces a critical framework: G = I + CA (Growth = Income + Capital Appreciation), helping listeners understand where their returns actually come from, and why income plays a vital role in long-term stability.If you’ve been told to “just stay invested” and follow the 4% rule, this episode offers a different perspective: one focused on income, resilience, and sustainability.🔔 Like, subscribe, and turn on notifications for more retirement education.