



Why the 4% Rule Doesn’t Always Tell the Full Story
What if the biggest risk to your retirement isn’t how much you’ve saved, but when you retire? In this episode, Kip Hutto explains why the popular 4% withdrawal rule can fall short and how market timing, sequence of returns, healthcare costs, and portfolio structure can dramatically change retiremen…

Why Retirement Math Often Comes Up Short
That “million dollars on paper” might not be what it feels like once taxes enter the picture. In this episode, Kip Hutto unpacks the gap between expectations and reality when it comes to retirement savings. He walks through how taxes, Roth conversions, required minimum distributions, and Social Sec…

When Diversification Isn’t Really Diversified
What if the biggest risk to your retirement isn’t the market but the way your money is positioned? In this premiere episode of Reeling in Retirement, Kip Hutto shares the personal story that shaped his four decades in financial services and explains how emotional investing, hidden risk, and misund…