This episode on YouTube: https://youtu.be/aNNl7zB8R2A

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Should you de-risk your portfolio—or is that actually riskier?

CFP Professionals Archie Hoxton and Rob Hoxton tackle a question many investors ask during uncertain markets: should I pull back or get out altogether?

They explain why moving entirely to cash can create new risks, such as inflation risk, longevity risk, and missed opportunity, and why emotional decision-making often hurts long-term results. They also discuss why market volatility feels so uncomfortable, and how strategies like bucket planning can help provide structure and confidence.

The episode also features their free Investment Alignment Worksheet, created to help you align your investment strategy with your long-term retirement goals - find it here: https://hoxtonpm.com/worksheets/investment-alignment-worksheet/

Have questions about de-risking, retirement, or navigating volatile markets? Drop them in the comments. We'd love to hear from you!

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

This episode on YouTube: https://youtu.be/TAt1Ru377Xc

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Five things to do before you retire!

CFP professionals Rob Hoxton and Archie Hoxton walk through the 5 essential steps you need to take in the final 12 months before your last paycheck. This step-by-step framework helps future retirees avoid costly mistakes and build a retirement plan that actually works in real life.

Rob and Archie also explain how retirement changes your cash flow, why flexibility matters, and how to build a plan that can scale up or down with the market—without panic.

Questions about how to prepare for retirement? Drop them in the comments!

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

This episode on YouTube: https://youtu.be/UQhWNRKr-gc

Get ready to finally understand the difference between mutual funds and ETFs.

In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton break down one of the most common investing questions they hear: what's the real difference between traditional mutual funds and exchange-traded funds (ETFs)?

They walk through how mutual funds originally opened the door for everyday investors, explain the rise of low-cost index funds, and explore why ETFs have surged in popularity.

They also unpack key concepts like "in-kind" trading, the role taxes play in long-term investment returns, and when an ETF may (or may not) be a better choice than a mutual fund.

Have questions? Drop them in the comments, we'd love to hear from you!

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.