Did you know two investors could earn the same average return, pay the same fees, and still retire with very different outcomes? In this episode, Matt explains why sequence of returns risk is one of the most important concepts to understand within 5–7 years of retirement. You’ll see real examples of how early losses can quietly drain decades of savings, and why the order of your returns matters just as much as the returns themselves.

Here’s some of what we discuss in this episode:

Why timing matters just as much as returns in retirement investing
How early losses could drain decades of savings
Clear examples that reveal the impact of bad timing
Strategies to help protect your portfolio in retirement

0:00 – Intro

2:45 – Similar Portfolios, Different Results

3:59 – Negative Returns

8:10 – $1 Million Sample Portfolio

Other Resources

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ESPP: A Comprehensive Guide: https://perspective6wealthadvisors.com/espp-guide/

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