Marker 01

What if the biggest risk to your retirement isn’t the market, but the order in which returns show up?


In this episode, Brigette Engstrom breaks down several retirement planning concepts that often get misunderstood, including sequence of returns risk and why the popular 4% rule may not work the same way for everyone. The conversation also explores tax‑efficient withdrawal strategies and how taxes, timing, and market conditions can shape retirement income over time. Along the way, Bridget addresses common retirement myths and highlights planning considerations retirees and pre‑retirees should understand before turning their savings into income. This episode is designed to help listeners think more clearly about how different risks interact in retirement and why having a flexible, well‑thought‑out strategy matters.

Visit www.bluemonarchfinancial.com for more details, to see upcoming events, and to book a complimentary consultation with Brigette Engstrom and the team at BlueMonarch Financial.

What if the biggest risk to your retirement isn&rsquo;t the market, but the order in which returns show up?
 In this episode, Brigette Engstrom breaks down several retirement planning concepts that often get misunderstood, including sequence of returns risk and why the popular 4% rule may not work the same way for everyone. The conversation also explores tax‑efficient withdrawal strategies and how taxes, timing, and market conditions can shape retirement income over time. Along the way, Bridget addresses common retirement myths and highlights planning considerations retirees and pre‑retirees should understand before turning their savings into income. This episode is designed to help listeners think more clearly about how different risks interact in retirement and why having a flexible, well‑thought‑out strategy matters.
Visit <a href="https://bluemonarchfinancial.com/">www.bluemonarchfinancial.com</a> for more details, to see upcoming events, and to book a complimentary consultation with Brigette Engstrom and the team at BlueMonarch Financial.

Wisdom and guidance for your retirement journey just landed on your favorite streaming platform.  Blue Monarch Financial Services brings you Retirement Readiness, your resource for on-the-go financial and retirement solutions to help your golden years take flight and flourish.

On each episode, your host Brigette Engstrom, Founder and CEO of Blue Monarch Financial Services, will share her experience, knowledge, and personal stories to help you cultivate greater empowerment and confidence in your own financial journey.  Whether your retirement is still in its beginning stage or already in flight, Retirement Readiness with Brigette Engstrom is your go-to companion for transforming your retirement into a bright and purposeful new beginning.

Wisdom and guidance for your retirement journey just landed on your favorite streaming platform.&nbsp; Blue Monarch Financial Services brings you Retirement Readiness, your resource for on-the-go financial and retirement solutions to help your golden years take flight and flourish. On each episode, your host Brigette Engstrom, Founder and CEO of Blue Monarch Financial Services, will share her experience, knowledge, and personal stories to help you cultivate greater empowerment and confidence in your own financial journey.&nbsp; Whether your retirement is still in its beginning stage or already in flight, Retirement Readiness with Brigette Engstrom is your go-to companion for transforming your retirement into a bright and purposeful new beginning.

Retirement Readiness

Wisdom and guidance for your retirement journey just landed on your favorite streaming platform. Blue Monarch Financial Services brings you Retirement Readiness, your resource for on-the-go financial and retirement solutions to help your golden years take flight and flourish.

On each episode, your host Brigette Engstrom, Founder and CEO of Blue Monarch Financial Services, will share her experience, knowledge, and personal stories to help you cultivate greater empowerment and confidence in your own financial journey. Whether your retirement strategy is still in its beginning stage or already in flight, Retirement Readiness with Brigette Engstrom is your go-to companion for transforming your retirement into a bright and purposeful new beginning.

Wisdom and guidance for your retirement journey just landed on your favorite streaming platform. Blue Monarch Financial Services brings you Retirement Readiness, your resource for on-the-go financial and retirement solutions to help your golden years take flight and flourish.
On each episode, your host Brigette Engstrom, Founder and CEO of Blue Monarch Financial Services, will share her experience, knowledge, and personal stories to help you cultivate greater empowerment and confidence in your own financial journey. Whether your retirement strategy is still in its beginning stage or already in flight, Retirement Readiness with Brigette Engstrom is your go-to companion for transforming your retirement into a bright and purposeful new beginning.

Is the 4% Rule Still Relevant in Today’s Retirement Reality?

Marker 07

Marker 06

Retirement planning isn’t just about saving; it’s about strategy.

In this episode, Brigette Engstrom of Blue Monarch Financial Services breaks down the key elements of building a sustainable retirement plan, from debunking common long-term care myths to creating diversified income streams that last. As longevity increases and healthcare costs rise, having a clear, structured approach becomes essential, not optional.

You’ll hear insights on how to prepare for life’s uncertainties, design a reliable income strategy, and develop a comprehensive retirement blueprint tailored to your future. Whether you’re approaching retirement or already there, this conversation highlights the importance of planning beyond savings to help create long-term financial confidence.

Visit www.bluemonarchfinancial.com for more details, to see upcoming events, and to book a complimentary consultation with Brigette Engstrom and the team at BlueMonarch Financial.

Retirement planning isn&rsquo;t just about saving; it&rsquo;s about strategy.
In this episode, Brigette Engstrom of Blue Monarch Financial Services breaks down the key elements of building a sustainable retirement plan, from debunking common long-term care myths to creating diversified income streams that last. As longevity increases and healthcare costs rise, having a clear, structured approach becomes essential, not optional.
You&rsquo;ll hear insights on how to prepare for life&rsquo;s uncertainties, design a reliable income strategy, and develop a comprehensive retirement blueprint tailored to your future. Whether you&rsquo;re approaching retirement or already there, this conversation highlights the importance of planning beyond savings to help create long-term financial confidence.
Visit <a href="https://bluemonarchfinancial.com/">www.bluemonarchfinancial.com</a> for more details, to see upcoming events, and to book a complimentary consultation with Brigette Engstrom and the team at BlueMonarch Financial.

Retire Smarter: Building Income Streams That Actually Last

Are common retirement beliefs quietly putting your future at risk?

In this episode, Brigette Engstrom breaks down some of the biggest myths in retirement planning and explains how overlooked factors, like sequence of returns risk, can impact long-term financial security. This often-misunderstood risk highlights how early market downturns combined with withdrawals can significantly deplete a retirement portfolio over time. Are common retirement beliefs quietly putting your future at risk? In this episode, Bridget Engstrom breaks down some of the biggest myths in retirement planning and explains how overlooked factors, like sequence of returns risk, can impact long-term financial security. This often-misunderstood risk highlights how early market downturns combined with withdrawals can significantly deplete a retirement portfolio over time.

Visit www.bluemonarchfinancial.com for more details, to see upcoming events, and to book a complimentary consultation with Brigette Engstrom and the team at BlueMonarch Financial.

 

Are common retirement beliefs quietly putting your future at risk?
In this episode, Brigette Engstrom breaks down some of the biggest myths in retirement planning and explains how overlooked factors, like sequence of returns risk, can impact long-term financial security. This often-misunderstood risk highlights how early market downturns combined with withdrawals can significantly deplete a retirement portfolio over time. Are common retirement beliefs quietly putting your future at risk? In this episode, Bridget Engstrom breaks down some of the biggest myths in retirement planning and explains how overlooked factors, like sequence of returns risk, can impact long-term financial security. This often-misunderstood risk highlights how early market downturns combined with withdrawals can significantly deplete a retirement portfolio over time.
Visit <a href="https://bluemonarchfinancial.com/">www.bluemonarchfinancial.com</a> for more details, to see upcoming events, and to book a complimentary consultation with Brigette Engstrom and the team at BlueMonarch Financial.
&nbsp;

The Hidden Risk That Can Drain Your Retirement Savings Faster Than Expected

Are you helping your kids at the expense of your own retirement?

 You’re not alone, and the cost may be higher than you think. Studies show that nearly 27% of parents who financially support adult children delay retirement, while many sacrifice their own financial security to keep helping. From covering monthly bills to offering housing, the “Bank of Mom & Dad” has become a growing trend, but it can come with serious long‑term consequences.

In this episode, Brigette Engstrom breaks down the real price of supporting adult children, when help becomes harmful, and how to have that tough, but necessary, conversation about financial independence. 

Because here’s the truth: you can fund education… but you can’t fund retirement.

Visit www.bluemonarchfinancial.com for more details, to see upcoming events, and to book a complimentary consultation with Brigette Engstrom and the team at BlueMonarch Financial.

 

Are you helping your kids at the expense of your own retirement?
&nbsp;You&rsquo;re not alone, and the cost may be higher than you think. Studies show that nearly 27% of parents who financially support adult children delay retirement, while many sacrifice their own financial security to keep helping. From covering monthly bills to offering housing, the &ldquo;Bank of Mom &amp; Dad&rdquo; has become a growing trend, but it can come with serious long‑term consequences.
In this episode, Brigette Engstrom breaks down the real price of supporting adult children, when help becomes harmful, and how to have that tough, but necessary, conversation about financial independence.&nbsp;
Because here&rsquo;s the truth: you can fund education&hellip; but you can&rsquo;t fund retirement.
Visit <a href="https://bluemonarchfinancial.com/">www.bluemonarchfinancial.com</a> for more details, to see upcoming events, and to book a complimentary consultation with Brigette Engstrom and the team at BlueMonarch Financial.
&nbsp;

Is the 4% Rule Still Relevant in Today’s Retirement Reality?

In 1 playlist(s)

Retirement Readiness

Social links

Follow podcast

Recent clips