The Sequence of Returns Shield: Protecting Your "Mountain Descent"
For engineers, business owners, and savvy pre-retirees, navigating the "descent" into retirement demands a different kind of financial architecture than the "climb" you mastered.
The "Red Zone" – the critical 5 years before and after retirement – exposes portfolios to the often-overlooked Sequence of Returns Risk, where early market downturns can be devastating. Drawing from an engineering background, our S3 Constitutional approach doesn't force a choice between growth and safety; it systematically engineers a "Safety Floor," protecting your essential lifestyle without abandoning strategic growth.
Our latest article, "The Sequence of Returns Shield: Protecting Your 'Mountain Descent'," provides a detailed framework to build this immunity. Discover how to calculate your "Survival Number" and construct a "Safety Floor" that makes your essential expenses market-crash immune.
Whether you're a tech leader accustomed to robust systems or a business owner safeguarding your legacy, this framework offers the methodical, "both/and" solution to ensure your "mountain descent" is secure and stress-free, turning market volatility into a manageable factor, not a catastrophic threat.
Read The Sequence of Returns Shield: Protecting Your "Mountain Descent"
This post is part of our collection: S3 Retirement Distribution Mastery.
DISCLAIMER: This content is for educational purposes only and should not be considered personalized financial advice. Always consult with a qualified financial professional before making financial decisions.