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!

The biggest threat to retirement may not be the market itself, but&nbsp;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&rsquo;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&rsquo;t always translate to wealth preservation&mdash;and why regular portfolio maintenance becomes more critical as retirement gets closer.
Listen to Brooks every Saturday at 7 a.m. on&nbsp;<a href="https://www.kotaradio.com/">KOTA</a>.
Ready to build your retirement plan? Visit <a href="https://brooksfg.com/">https://brooksfg.com/</a> to connect with Brooks and his team today!

When your retirement gets down to game time, who do you want making the calls? Don’t settle for second-best – get the advisor that knows the rules.

The Retirement Referee, hosted by Brooks Financial Group founder Brooks Bernhagen, shows how to go by the rulebook and get the most out of your retirement. With experienced insights, weekly deep dives into the financial trends of the day, and the retirement tips you’re looking for, the Retirement Referee is always a podcast instant replay. Listen and subscribe today!

When your retirement gets down to game time, who do you want making the calls? Don’t settle for second-best – get the advisor that knows the rules.
The Retirement Referee, hosted by Brooks Financial Group founder Brooks Bernhagen, shows how to go by the rulebook and get the most out of your retirement. With experienced insights, weekly deep dives into the financial trends of the day, and the retirement tips you’re looking for, the Retirement Referee is always a podcast instant replay. Listen and subscribe today!