The biggest retirement mistake may not be what’s in your portfolio—but how you react when markets get shaky. Brooks Bernhagen explores why the years just before and after retirement are especially vulnerable to emotional investing decisions. From sequence-of-returns risk to the temptation to move everything to cash during volatility, he explains how panic can create lasting consequences. Using a real client example, Brooks highlights the value of income planning, portfolio rebalancing, and having the right assets available when markets fluctuate.

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 retirement mistake may not be what&rsquo;s in your portfolio&mdash;but how you react when markets get shaky. Brooks Bernhagen explores why the years just before and after retirement are especially vulnerable to emotional investing decisions. From sequence-of-returns risk to the temptation to move everything to cash during volatility, he explains how panic can create lasting consequences. Using a real client example, Brooks highlights the value of income planning, portfolio rebalancing, and having the right assets available when markets fluctuate.
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!

The Retirement Referee with Brooks Bernhagen

The Retirement Referee

The Retirement Mistake That Happens When Fear Takes Over

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What if playing it safe in retirement could create a bigger risk than staying invested? Warren Buffett’s move of $373 billion into cash sparks a conversation about how retirees often react to market uncertainty and whether moving everything to cash is really the safest option. Brooks Bernhagen explains the tradeoffs between market risk, inflation risk, and longevity risk, while discussing strategies that may help balance growth potential with protection. Plus, hear the story of a couple who nearly cashed out everything before exploring alternative approaches to their retirement plan.

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!

What if playing it safe in retirement could create a bigger risk than staying invested? Warren Buffett&rsquo;s move of $373 billion into cash sparks a conversation about how retirees often react to market uncertainty and whether moving everything to cash is really the safest option. Brooks Bernhagen explains the tradeoffs between market risk, inflation risk, and longevity risk, while discussing strategies that may help balance growth potential with protection. Plus, hear the story of a couple who nearly cashed out everything before exploring alternative approaches to their retirement plan.
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!

Warren Buffett Went to Cash… Should Retirees Do the Same?

Could a successful retirement account become a costly tax headache later in life? Brooks Bernhagen breaks down the story of an 80-year-old facing a $300,000 required minimum distribution and explains how large IRAs and 401(k)s can create unexpected tax challenges in retirement. The conversation explores RMDs, retirement tax bombs, Roth conversions, Medicare premium impacts, and charitable giving strategies. Brooks also discusses why timing matters and what retirees can do to better understand the tax implications of their retirement savings before required withdrawals begin.

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!

Could a successful retirement account become a costly tax headache later in life? Brooks Bernhagen breaks down the story of an 80-year-old facing a $300,000 required minimum distribution and explains how large IRAs and 401(k)s can create unexpected tax challenges in retirement. The conversation explores RMDs, retirement tax bombs, Roth conversions, Medicare premium impacts, and charitable giving strategies. Brooks also discusses why timing matters and what retirees can do to better understand the tax implications of their retirement savings before required withdrawals begin.
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!

Could Your Retirement Savings Trigger a Tax Bomb?

When everyone seems to be making money in the market, how do you know if you're investing wisely or just chasing the crowd? Brooks Bernhagen explores how fear of missing out (FOMO) can derail retirement planning and why retirees need a different mindset than younger investors. Learn how income foundations, risk budgets, and simple bucket strategies can help balance growth opportunities with protection. Brooks also shares a real-world example of a retiree tempted to chase hot tech stocks and explains how a disciplined plan can help keep emotions from driving financial decisions.

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!

When everyone seems to be making money in the market, how do you know if you're investing wisely or just chasing the crowd? Brooks Bernhagen explores how fear of missing out (FOMO) can derail retirement planning and why retirees need a different mindset than younger investors. Learn how income foundations, risk budgets, and simple bucket strategies can help balance growth opportunities with protection. Brooks also shares a real-world example of a retiree tempted to chase hot tech stocks and explains how a disciplined plan can help keep emotions from driving financial decisions.
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!

The Retirement Mistake That Happens When Fear Takes Over

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