They’re 64 and 63 With $1M – But Their Allocation Could Cost Them

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Bill and Stephanie are 64 and 63 with $1 million saved—and they think they’re playing it safe. But a closer look at their portfolio reveals a 70/30 allocation and a 7.2% withdrawal rate. That’s a dangerous combo if markets turn south.

In this episode of Rise in Retirement, we walk through:
✅ Why risk tolerance and risk capacity aren’t the same thing
✅ What a 70/30 portfolio really means when you need income now
✅ How a purpose-based allocation could reduce stress and bring stability
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