524: A New 4-Bucket Approach to Investing Before and After Retirement
Retire With Purpose - The Retirement Podcast
Casey Weade
4.7 • 556 Ratings
🗓️ 26 September 2025
⏱️ 23 minutes
🧾️ Download transcript
Summary
You're told to shift from "growth" to "protection" the moment you retire and leave the workforce. But is it really that simple? Join us as we break down the false dichotomy of pre- vs. post-retirement investing, showing why your strategy should always include a mix of offense and defense.
In this episode, we discuss:
- Your biggest risks in retirement
- How to leverage all your assets (stocks, bonds, pensions, Social Security, real estate, life insurance, etc. in your income strategy)
- Forbes writer Tim Maurer's 4-Bucket Approach to a holistic retirement plan
Today's article is from the Forbes titled, The (False) Dichotomy Of Investing Before And After Retirement. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation.
Show Notes: HowardBailey.com/524
📧 WEEKEND READING FOR RETIREES: Receive CFP® insight on 4 hand-picked financial articles delivered straight to your Inbox each Friday: https://bit.ly/3OEdGgu
📅SCHEDULE YOUR PERSONAL FINANCIAL REVIEW: Book a 15-minute call with Howard Bailey Financial to see how the topics discussed here apply to your individual situation: https://bit.ly/3T6oNDB
ABOUT HOWARD BAILEY FINANCIAL: Our mission is to help others gain clarity in purpose and elevate meaning in their lives through personal and practical financial strategies. Our Retire With Purpose™ Framework starts with establishing your unique financial philosophy — the true meaning and purpose for your money in retirement. Through continued education, one-on-one meetings, and a comprehensive team planning approach, we have helped retirees across the country secure their financial futures. And while we can't work with everyone, our goal is to provide value to everyone we meet. Our team of advisors and support specialists strive to deliver the very best experience in pre-retirement and retirement planning. Learn more about our process here: https://howardbailey.com/our-process
Transcript
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| 0:00.0 | I started out in this space where I was trained, it's all about defense. After retirement, |
| 0:05.1 | it's all about defense. And before retirement, it's all about offense. And that's what the playbook |
| 0:11.1 | that I was taught was all about. When you're visiting with people, hey, they've already won the |
| 0:15.6 | game. They've gotten to a place where they have enough money to last the rest of their lives. |
| 0:19.6 | Now it's about protecting that and ensuring that it lasts a lifetime. |
| 0:36.3 | Welcome to the Retire with Purpose Podcast. Where does my mission deliver clarity and purpose and |
| 0:36.6 | elevate meaning in your life? |
| 0:38.4 | If you're new to the show, I want you to know what to expect. We have new listeners coming on every single day. |
| 0:44.1 | And I want you to know we're going to have both financial and non-financially related conversations covering everything, retirement. |
| 0:50.7 | And if you're seeking specifically that non-financial guidance, I encourage you to look out for |
| 0:55.9 | those episodes. We release every other Friday titled Freedom After 50. I know we have many of you |
| 1:01.4 | that go back and listen to those over and over again, go back, listen to all of those. However, |
| 1:07.0 | if you're looking for the financial conversations, well, you have found yourself there today every other Friday between our Freedom After 50 episodes where we get together with our very own certified retirement coach, Les McDaniel. |
| 1:18.1 | I bring on my good friend and fellow certified financial planner practitioner, Marshall Johnson, who's here with me today. |
| 1:25.6 | Hey, hey, hey, buddy. |
| 1:26.8 | What's up, buddy? |
| 1:27.5 | And this is our opportunity to discuss more the numbers of retirement. |
| 1:32.1 | And, of course, we're always bringing you world-class guests in long form every single month. |
| 1:36.8 | So look out for those interviews as well. |
| 1:39.5 | These Friday conversations are almost always derived out of an email that we sent to you. |
| 1:46.6 | We send on an email every single Friday called Weekend Reading for Retirees. |
| 1:50.5 | We in there include four articles on trending topics in the retirement planning space. |
... |
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