Simply put? No.

But Ralph, Tim and Scott know that that's easier said than done. Hear why you shouldn't let that happen, and what they do to help their clients in that regard on this episode of Aspire 2 Retire.

Learn more about us online and check out our blog here. You can also follow us on Facebook, YouTube, Instagram, LinkedIn and Twitter/X.

See omnystudio.com/listener for privacy information.

The saying goes: hindsight is 20/20. And while probably true, it won't help undo the effects of a market downturn if you're overexposed. The guys talk about the importance of understanding your risk tolerance and market exposure on this episode.

Learn more about us online and check out our blog here. You can also follow us on Facebook, YouTube, Instagram, LinkedIn and Twitter/X.

See omnystudio.com/listener for privacy information.

Switching from receiving a regular paycheck from your employer to relying on your savings to provide that income can be a bit of a mental challenge. But you don't want to overcorrect and become so fearful of spending that you don't actually enjoy your retirement. The guys talk about how to find that balance between frugality and frivolity.

Learn more about us online and check out our blog here. You can also follow us on Facebook, YouTube, Instagram, LinkedIn and Twitter/X.

See omnystudio.com/listener for privacy information.

Hopefully you've been able to reap the benefits of the market highs we've experienced as of late. But now what? Do you keep all your money in, or is is time to seek safer harbors? They guys weigh in on what you should consider.

Learn more about us online and check out our blog here. You can also follow us on Facebook, YouTube, Instagram, LinkedIn and Twitter/X.

See omnystudio.com/listener for privacy information.

And it isn't just by consumers. Ralph, Tim and Scott discuss why both consumers and financial professionals may have it wrong when it comes to annuities (and in the case of the latter, why it may be intentional).

Learn more about us online and check out our blog here. You can also follow us on Facebook, YouTube, Instagram, LinkedIn and Twitter/X.

See omnystudio.com/listener for privacy information.

Social Security benefits could be reduced by as much as 25% by 2035. The guys discuss ways to replace that lost income and even how to minimize the effect a reduction like that would have on your plan on this episode of Aspire 2 Retire.

Learn more about us online and check out our blog here. You can also follow us on Facebook, YouTube, Instagram, LinkedIn and Twitter/X.

See omnystudio.com/listener for privacy information.

AKA, the end of the retirement honeymoon phase. Ralph, Tim and Scott discuss this, as well as how to know when it's right to get back into the market, on this episode of Aspire 2 Retire.

Learn more about us online and check out our blog here. You can also follow us on Facebook, YouTube, Instagram, LinkedIn and Twitter/X.

See omnystudio.com/listener for privacy information.

It's not a trick question- there's such a thing as having too much money accessible in cash reserves. Ralph, Tim and Scott discuss why, and how much that might be on this episode of Aspire 2 Retire.

Learn more about us online and check out our blog here. You can also follow us on Facebook, YouTube, Instagram, LinkedIn and Twitter/X.

See omnystudio.com/listener for privacy information.