Tag: Risk Management
The Diversification Dilemma: Are Your Investments Really Safe? (Ep. 85)

The Diversification Dilemma: Are Your Investments Really Safe? (Ep. 85)

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Diversification isn’t just a buzzword—it’s a critical tool for protecting your retirement savings and future security.

This week, Josh Leonard and Pete Belcastro tackle common misconceptions about diversification and share actionable insights on creating a retirement plan that minimizes risk and maximizes opportunities. From portfolio strategies to tax diversification and financial tools, this episode has everything you need to feel confident about your golden years.

Josh and Pete discuss:

  • Why holding accounts at different firms doesn’t guarantee diversification and how to avoid overlapping investments
  • How to spread investments across sectors, regions, and company sizes to minimize risks
  • The importance of tax diversification through tools like Roth IRAs and taxable accounts for greater financial flexibility
  • How annuities, life insurance, and other financial tools can secure income and simplify legacy planning
  • Strategies to avoid over-concentration in employer-linked investments and protect both your career and portfolio
  • And more!

Resources:

Connect with Josh Leonard: 

Connect with Pete Belcastro: 

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The Best Moments: Top Retirement Insights from The Relax, It’s Retirement Podcast! (Ep. 79)

The Best Moments: Top Retirement Insights from The Relax, It’s Retirement Podcast! (Ep. 79)

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Retirement planning can feel overwhelming, but the right strategies can make it smooth and intentional.

How do you structure finances to ensure your money lasts while enjoying the lifestyle you want? 

This episode compiles the best retirement advice moments from Josh Leonard and his team, covering vital tips to plan your golden years with confidence. 

From managing taxes to healthcare planning, they explore practical solutions for long-term stability.

Key Highlights:

  • How to prepare for longer retirements by factoring in family history and careful planning
  • The “three-bucket system” for managing cash, steady income, and long-term growth
  • Proactive ways to minimize healthcare expenses through HSAs and yearly drug plan reviews
  • Tax-saving approaches, such as Roth IRA conversions and efficient withdrawal strategies
  • Creative retirement paths, including passion projects, part-time work, and minimalist lifestyles
  • And more!

Resources:

Connect with Josh Leonard: 

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