Ep. 245 - How Income Timing Impacts Retirement Without a Plan

Ep. 245 - How Income Timing Impacts Retirement Without a Plan

From Retirement Education Hour by Retirement Education Foundation

April 29, 2026 · 46 min · Episode 245

About this episode

The episode discusses how the timing of returns and income planning can significantly impact retirement success.

Many investors think retirement success is mainly about average return. In retirement, the timing of returns can matter just as much. In this episode, Kirk and Michael break down how losses early in retirement can have a greater impact than losses later on, why withdrawals can magnify that problem, and how income planning and asset allocation can work together to help manage this risk. Retirement Education Foundation is a Fiscally Sponsored Program of United Charitable, a registered 501(c)(3) public charity. This information is for educational purposes only and is not to be considered tax, legal or investment advice. Kirk Cassidy and Paul Meter are professional financial advisors in the private sector. Both serve as a financial instructor for the Retirement Education Foundation on a volunteer basis. Retirement Education Foundation does not offer financial services.

People in this episode

Host: Kirk Cassidy

Guest: Michael

Topics covered

  • retirement planning
  • income timing
  • asset allocation
  • financial risk
  • withdrawals impact

Keywords

  • retirement
  • income timing
  • financial planning
  • asset allocation
  • withdrawals
  • investment advice

Mentioned in this episode

Organizations: Retirement Education Foundation, United Charitable

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