The Wealth Playbook

Between global conflicts, shifting interest rates, and constant media noise, it’s easy to feel like your retirement portfolio is under siege. When the headlines get scary, the temptation to "go to cash" is stronger than ever—but is that actually the safest move? In Season 8, Episode 119 of the Pennywise Financial Podcast, we are joined by David Georgiev, Partner at Monarch Wealth Management and author of the popular Defeating Goliath blog. Together, we cut through the emotional panic of the 24/7 news cycle and look strictly at the hard data. If you are nearing or in retirement and rely on your portfolio for income, this episode is your ultimate "Wealth Playbook."In this episode, we break down: 📉 The Staggering Cost of Panic: Why trying to "time" the market is a losing game, and how missing just the 10 best days of the market can cut your returns in half. 🌍 Geopolitics & Your Portfolio: A historical look at how the S&P 500 actually responds to major wars and geopolitical shocks, plus how oil spikes act as a "hidden inflation tax."🏦 The Fed’s New Yield Reality: Why the days of risk-free, high-yield CDs are shifting, and how to avoid the "cash trap" that silently destroys your purchasing power. 🛡️ The Income Antidote: How high-net-worth investors ($1M–$5M+) are moving beyond the traditional 60/40 portfolio by using non-correlated assets—like private credit and real estate—to build a bulletproof income floor. It’s time to stop letting the headlines dictate your financial future. Tune in to learn how to operate out of wisdom, not fear, and ensure your portfolio is built to weather the storm. 📖 Read Dave’s latest blog post, "Staring down the Goliaths of the Global Market": https://www.monarchwealthmanagement.com/post/staring-down-the-golilaths-of-the-global-market 🌐 Learn more about Monarch Wealth Management: www.monarchwealthmanagement.com 📞 Schedule a consultation to stress-test your portfolio: https://www.monarchwealthmanagement.com/constantineIf you found value in today's episode, please hit the SUBSCRIBE button, leave us a 5-star review, and share this with a friend or family member who needs to hear it! #PennywiseFinancial #WealthManagement #RetirementPlanning #Investing #MarketVolatility #FinancialAdvisor #MonarchWealth #PassiveIncome #AlternativeInvestments