The First Year of Retirement Could Change Everything

From The Retirement Solution by Jon Hicks

May 12, 2026 · 12 min

About this episode

Jon Hicks discusses the significant impact of the first year of retirement on long-term financial outcomes and introduces a three-bucket strategy for managing retirement income.

What if the first year of retirement has more impact than the next 20 combined? In this episode, Jon Hicks breaks down sequence of returns risk and why early market downturns can significantly affect long-term outcomes. Using real-life examples, he explains how timing—not just performance—can shape retirement income. The conversation also covers a three-bucket strategy designed to organize income, manage volatility, and balance growth over time, highlighting the importance of preparation over prediction.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedIn See omnystudio.com/listener for privacy information.

People in this episode

Host: Jon Hicks

Topics covered

retirement
sequence of returns risk
market downturns
retirement income
three-bucket strategy
financial planning

Keywords

retirement
sequence of returns
market downturns
financial planning
income strategy
volatility management
growth balance

Mentioned in this episode

Organizations: RetirementSolutionShow.com