Markets Drop Early? Protect Your Retirement Income

Описание: If you’re retiring now, an early market drop can put your paycheck at risk.

Markets don’t have to crash to create problems—when withdrawals start at the same time your portfolio is down, those early losses can have an outsized impact over your lifetime. That’s the heart of sequence-of-returns risk, and it’s why having an “income plan” matters as much as an investment plan.

In this week’s Money Talk with Michael Eastham, he answers a common question: “We’re starting retirement. How do we protect our income if markets drop early?” You’ll learn three practical, stability-first ideas to consider:

✅ Cash bucket: Keeping 1–2 years of planned withdrawals in cash so you’re not forced to sell investments when prices are down.
✅ Guardrails: Using dynamic withdrawals that can flex with the market instead of locking yourself into a rigid number.
✅ Income floor: Leaning on steady sources like pensions/annuities to cover essentials and help stabilize the basics.

When you know where next month’s paycheck is coming from—even in a down market—it can bring real peace of mind and help you stay focused on the long game. The goal isn’t to predict the market—it’s to build a plan that can keep your income more consistent when life happens. Stability first, growth second.

▶️ Watch the episode, then like, subscribe, and save this video so you can revisit it when you’re planning.

#RetirementIncome #RetirementPlanning #SequenceRisk


Please send any questions you may have to [email protected]

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The Retirement Income Show with Michael Eastham Podcast is now available to stream for FREE wherever you get your podcasts.
Michael Eastham, CPA, PFS, is the founding Principal of Fellowship Financial Group in Maitland, Florida. Eastham has been involved in financial services for more than 25 years. He is an active member of the American Institute of CPAs and has earned their Personal Financial Specialist (PFS) designation. He has a BBA in Accounting from James Madison University and holds Series 65 & 63 securities licenses, as well as licenses in Insurance and Annuities.
Eastham is the author of the bestselling book Common-Sense Income Strategies and is a recognized specialist in the areas of financial strategies, retirement planning, and asset protection. He is the host of the financial radio show, The Retirement Income Show.