Your Guide:

When most people think about retirement risks, they picture a stock market crash. But the truth is, the biggest threats to your financial future are often the ones you never saw coming. In this episode, Scott unpacks seven real risks that can quietly derail even the most well-planned retirement. Spoiler alert: it’s not just about volatility.

From the danger of withdrawing money during a downturn (aka sequence of returns risk) to the slow bleed of inflation, rising taxes, and even living too long, Scott explains why a diversified portfolio alone isn’t enough. You’ll learn how to identify hidden weaknesses in your plan, how to prepare for the unexpected, and how to build confidence in your financial future, even when markets feel shaky.

Here’s what we cover in this episode:

🔥 Inflation + interest rates = lifestyle erosion

💰 Tax traps that could silently drain your retirement

💡 How diversification helps, but doesn’t solve everything

💵 Liquidity matters more than ever during market stress

0:00 – Intro

0:35 – Risk vs. Volatility

5:46 – #1: Market Risk

6:18 – #2: Sequence of Returns Risk

12:27 – #3: Inflation Risk

13:23 – #4: Interest Rate Risk

14:51 – #5: Longevity Risk

18:09 – #6: Liquidity Risk

19:00 – #7: Tax Risk