We find that many people heading into retirement aren't aligning their own life with their investment portfolio and they don't even know it!

The investment industry has often placed people in specific investments based upon their age, but why may you want to build a custom investment portfolio based on your life and instead of your age?

Here's what we cover:

💭 Why your life and goals — not your age — should drive your investment selections

💭 The "Inertia Trap" — why staying with what worked can quickly backfire

💭 Why a cookie-cutter, age-based portfolio could be leaving money on the table

💭 The math behind market losses

💭 How we've seen sequence of returns risk hurt people's retirement

💭 How building your "moat" is one approach aimed at helping protect your portfolio in your retirement

Whether you're retiring in the next 5 years or already living off your investments, this episode may help you ask better questions about whether your portfolio is truly built for your life.

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com

Chapters:

00:00 Custom Portfolio Based on Your Scenario Not Your Age?

01:49 Your Spending Plan Isn’t Your Accumulation Plan

03:27 Past Performance Trap

06:37 How Negative Markets Can Effect Retirement Spending

08:23 The Climb Out is Steeper than the Fall

09:40 Cookie Cutter Portfolio

11:19 Paying Too Much for Less Volatility?

13:57 Why Doesn't Every Account Look the Same in Retirement?

14:40 Your Own Portfolio Not Age Based Only

15:33 How Do You Trade In Negative Years?

17:02 How to Build Your Custom Portfolio Ideas

19:44 Why Some Retirees Like Custom Portfolio Allocations

21:43 It's Not About Your Age Here

22:14 What's Your Plan During Big Down Years?

22:52 Does Your Investments Match Your Life or a Base Template?

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.