Can Your Retirement Survive Market Volatility?

Sequence of returns risk is one of the most important factors in retirement planning, especially in the first few years after you stop working. In this episode of Capitalize on Retirement, David and Brandon explore what happens if the market drops early in retirement, and why that timing can affect a portfolio differently than a downturn during your working years. Using a hypothetical example, they walk through how a $1 million portfolio with $50,000 in annual withdrawals could be affected by a 30% market drop. They also break down Capital A's three-bucket approach to retirement income (safe, income, and growth), along with strategies like Roth conversions and rebalancing that may help navigate market volatility. The example in this episode is hypothetical and for illustrative purposes only. It does not represent an actual client experience or guarantee any specific outcome. This episode is for informational purposes only and should not be considered individualized tax, legal, or investment advice. Please consult your financial advisor, tax professional, or legal professional before making decisions about your retirement strategy.