『Retirement Redzone, The Last Mile』のカバーアート

Retirement Redzone, The Last Mile

Retirement Redzone, The Last Mile

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Ten straight up weeks, then a sharp pullback — and if you’re two to five years on either side of retirement, the fear is real. This is the Retirement Red Zone: the last mile into and out of your retirement date, and the most fragile window in your entire financial life.This week on Money On Tap, Ben Brayshaw and Dan Michelon turn last week’s market-history conversation into a practical playbook for anyone near retirement: how to avoid the paralysis that wrecked so many retirements in 2008–2009, and what to actually do right now.What you’ll learn:
  • Why a 35-year-old and a 65-year-old should do the opposite thing in a pullback
  • The accumulation-to-distribution switch most people don’t know exists
  • What history says: after 40 sharp selloffs since 1980, markets were higher 75% of the time a year later
  • Sequence-of-returns risk — why the first five years decide everything
  • Building a 1–3 year retirement runway with ~4% cash and T-bills
  • Rebalancing a 60/40 that drifted to 75/25
  • Diversifying away from a top-10 that’s now 40% of the S&P (8 of them tech)
  • Buffered ETFs — a 20% buffer with a 12–15% cap, explained
  • Foundational income, annuities, and the tax-aware withdrawal piece most firms skip
Plus Money In The News:
  • Consumer prices rose 4.2% annually in May — the highest in three years (CNBC, Jeff Cox)
  • Elon Musk poised to become the first trillionaire — and just how much a trillion dollars really is
  • A top JP Morgan strategist’s four ways to prep your portfolio for “considerable danger” (David Kelly)
Mentioned on air: Our short sequence-of-returns risk video — watch it at brayshawfinancial.com.Read the companion blog: brayshawfinancial.com/blog
Schedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsulta
Full Money On Tap episode library: brayshawfinancial.com/money-on-tapContact Us
Phone: 855-226-8551
Email: info@yourmoneyontap.com
Office: 116 South River Road, Bedford, NH 03110
Web: brayshawfinancial.com

  • Is it too late to fix my retirement at 50?
    No — the 50s are the catch-up years by design. Catch-up provisions let you contribute above the standard limits to 401(k)s and IRAs, the HSA offers triple tax advantages for future healthcare costs, and a backdoor Roth can build a tax-free bucket even if your income is too high for direct contributions. Pair those with a segmented "bucket" strategy — instead of retreating to CDs and cash — and most late starts can still be rescued. The first step is knowing your income need, not chasing a number.
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