Retirement Income Strategies and Living Trusts: How Your Investment Approach May Need to Change

Описание: When you retire, everything changes—including how you should invest.

In this week's episode, Stewart and Mitch break down why the investment strategy that worked during your accumulation years won't protect you in retirement, and what to do instead.

Hosts: Stewart Smith (LUTCF®, RICP®) and Mitch Davies (CFP®)

In This Episode:
Part 1: Retirement Income Strategy (00:00-26:00)


The 3-bucket approach: How to structure assets for different time horizons
Sequence of returns risk: The hidden danger in your first 5 years
What happened to people who retired in 1999 vs 2003 (real examples)
The 10-year rule: Why the market has never lost money over any 10-year period since 1926
Rule of 72: How to double your money and replenish your income buckets

Mitch's Market Minute (26:00-30:00)

Current market trends and what retirees need to watch
Small caps vs large caps: Where the opportunities are
Tech sector shifts from growth to value
Consumer defensive and staples sectors: Protection against volatility

Part 2: Living Trusts Explained (30:00-End)

Wills vs trusts: What most people get wrong about probate
Why a will doesn't avoid probate (and what does)
Living revocable trusts: How they work and who needs them
Revocable vs irrevocable trusts: The $15 million rule
How to simplify your estate with the "funnel approach"
Making estate planning easy: Setting up a trust without visiting an attorney

Key Takeaways:
If you have $500,000 or more saved for retirement, this episode will help you understand how to turn those assets into a reliable income while protecting against market volatility and planning for your legacy.

Want Mitch's weekly market updates? Email [email protected] to join the list.

Have questions about your retirement income strategy or estate plan? Visit ClearPathRetirement.com to schedule a complimentary consultation.

🎙️ About ClearPath Retirement Radio:
Real-world retirement planning for real people. No sales pitches, just clear answers to help you make informed decisions and plan for retirement with confidence.

Timestamps:
00:00 - Introduction: Why investment philosophy must change in retirement
02:24 - The problem with one-portfolio approach
03:46 - The 3-bucket strategy explained
06:37 - 1999 vs 2003: Sequence of returns risk in action
13:09 - How to handle market volatility in retirement
15:43 - The 10-year rule: Market data since 1926
16:45 - Rule of 72: Doubling your money every 10 years
18:29 - Real client story: Surviving the 2008 crash
26:00 - Mitch's Market Minute: Current trends for retirees
30:14 - Estate planning: Wills vs trusts
32:30 - What is a living revocable trust?
35:20 - How trusts avoid probate and protect privacy
38:45 - Planning for incapacity: The hidden benefit
42:15 - Revocable vs irrevocable trusts: The $15M rule
46:30 - The funnel approach: Simplifying your estate
48:00 - Closing thoughts and how to get started


📻 Listen Live: Saturdays at 10 AM on Upstate Red AM 1330
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Serving retirees and pre-retirees in Greenville, Columbia, and Upstate South Carolina

Services:

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⚖️ Legal Disclaimers:
Investment advisory services offered through Alphastar Capital Management, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC, nor does it indicate that the advisor has attained a particular level of skill or ability.
Fixed insurance products are offered through ClearPath Retirement Planning, LLC. Alphastar Capital Management is not involved in the offer, recommendation, sale, or management of commission-based fixed insurance products. Alphastar Capital Management and ClearPath Retirement Planning, LLC are separate and independent entities.
This content is for informational and educational purposes only and is not intended as legal, tax, or investment advice or a recommendation of any particular security, investment product, or investment strategy. Please consult with a qualified professional for guidance specific to your situation.
Estate planning services are provided through a network of independent South Carolina attorneys. ClearPath Retirement Planning does not provide legal advice.

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