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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.