Advisor Turntable Podcast: Episode 9

A Different Approach to Retirement Planning

A client’s risk tolerance isn’t necessarily one number.

The same client, at the same point in time, may react very differently to a 25% loss depending on whether it happens to money they’ll need soon or money they won’t touch for 15 years.

That’s part of the thinking behind time segmentation, one of two retirement planning concepts Paul Binnion of VestGen Investment Management discusses with Brendan Ryan in the latest episode of the Advisor Turntable Podcast.

The other is profit harvesting: using returns above what the financial plan requires to strengthen other parts of the plan.

Together, the concepts can help advisors insulate a retirement plan from market risk—and the client from the emotional decisions that can derail it.

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