The biggest threat to retirement may not be the market itself, but when it moves against you. In this episode, Brooks Bernhagen breaks down sequence of returns risk and why early market losses can disrupt even a well-funded retirement. The conversation explores why diversification isn’t a one-time decision, how portfolios can drift over time, and why the years just before and after retirement matter most. Brooks explains why wealth-building strategies don’t always translate to wealth preservation—and why regular portfolio maintenance becomes more critical as retirement gets closer.

Listen to Brooks every Saturday at 7 a.m. on KOTA.

Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!