On this episode of My Money Is Safe, Greg Elie and Patti Jaynes urge listeners to capitalize on the stock market’s recent record highs by reallocating rather than chasing further gains. They note that while the S&P has notched new peaks amid a “Trump economy,” average retirees face real pressure from elevated living costs, a $40 trillion national debt, geopolitical tensions, and historically weak midterm-election years.

The hosts illustrate how past crashes (Black Monday’s 22.6% one-day drop, 2008’s ~57% overall decline) can devastate unprepared portfolios, and they recommend sweeping chips off the “Wall Street casino” table via in-service 401(k) rollovers or IRA transfers. By moving half of a large balance (for example, $500,000 of a $1 million account) into carrier products that immediately add double- or triple-digit bonuses—turning $500,000 into roughly $650,000 or more—clients can lock in safety, still retain upside potential on the remaining funds, outperform traditional bonds, and prepare for tax-harvesting or the scheduled sunset of current tax cuts.

Listeners are invited to call 1-800-297-5755 or visit MyMoneyIsSafe.com to explore these reallocation strategies.