Today I'm discussing the biggest retirement investment risk.

As Morgan Housel put it, "It's the hardest risk for people to understand...

...and it's the only one that really matters."

In this episode, you'll learn:

► What the three sides of risk are

► Why tail risk is all that matters

► How to mitigate this risk in your retirement plan

You'll also learn why most investors should (probably) stay away from investment products promising you lots of upside with limited downside.

***

2025 TAX CHEATSHEET

Subscribe to the Stay Wealthy Retirement Newsletter!

As a thank you, you'll receive my recently updated 2025 Tax Cheatsheet (PDF).

You'll also receive weekly retirement and investing tips from yours truly.

👉 Click here to subscribe and grab your cheatsheet.

***

EPISODE RESOURCES:

📊 Get Your FREE Retirement & Tax Analysis!

✏️ Grab the Episode Show Notes

📘 Check Out the Retirement Podcast Network

Worried about Medicare IRMAA eating into your retirement savings?

Whether you're 10+ years away from Medicare or already enrolled, this episode will help you navigate this pesky surcharge and protect your retirement savings.

Key topics covered:

► Updated 2025 IRMAA brackets

► Answers to common planning questions

► 3 strategies to minimize (or avoid) IRMAA

You'll also learn how to project future IRMAA brackets for better planning.

If you want a clear roadmap for making informed decisions about your future healthcare costs, you'll enjoy today's episode.

***

RETIREMENT & TAX PLANNING:

Looking to hire a financial planner with retirement & tax planning expertise?

My team and I only have a few more openings for Discovery Meetings with new clients.

If you're seeking professional help, we would love to have a conversation!

👉 Learn more about our process and grab one of the remaining slots.

***

EPISODE RESOURCES:

📊 Get Your FREE Retirement & Tax Analysis!

✏️ Grab the Episode Show Notes

📘 Check Out the Retirement Podcast Network

Markets tend to operate in cycles—yesterday's winners often become tomorrow's losers (and vice versa).

The most unloved asset classes can quietly become the best performers, while the most popular ones frequently disappoint.

Yet, many investors fall into the trap of assuming recent trends will continue indefinitely.

But markets don’t work that way.

No asset class outperforms or underperforms forever.

To help you avoid falling into this trap (and make more informed portfolio decisions), I’m sharing key takeaways from Vanguard's 2025 Market & Economic Report in this episode.

I’m also sharing 5 actions retirement savers can take right now to prepare for success over the next decade and beyond.

***

Looking to hire a financial planner with retirement & tax planning expertise?

My team and I only have a few more openings for Discovery Meetings with new clients.

If you're seeking professional help, we would love to have a conversation!

👉 Learn more about our process and grab one of the remaining slots.

***

EPISODE RESOURCES:

📊 Get Your FREE Retirement & Tax Analysis!

✏️ Grab the Episode Show Notes

📘 Check Out the Retirement Podcast Network