Are the “rules of thumb” guiding your retirement actually leading you in the right direction? In this episode, Raphael Vallier takes a closer look at the 60/40 portfolio and the 4% rule—two widely used strategies in retirement planning—and why they may not fit every investor today. He explains how these concepts started, where they can fall short, and why factors like risk tolerance, market conditions, and income needs should drive a more personalized approach. The conversation also highlights the importance of rebalancing, protecting assets, and focusing on income planning, not just growth, when building a strategy for retirement.

If you’re ready to map out your financial future, schedule your complimentary consultation with Raphael and his team HERE.