How to Rebalance Your Portfolio in Retirement

Retirement Answer Man

Roger Whitney, CFP®, CIMA®, RMA, CPWA®

Lifeplanning, Retirementplanning, Financialplanning, Saving, Careerplanning, Self-improvement, Education, Retirementpodcast, Investing, Business, Investmentmanagement, Retirement

4.7 • 1.1K Ratings

🗓️ 11 June 2025

⏱️ 50 minutes

🔗️ Recording | iTunes | RSS

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Summary

💬 Show Notes

In this episode, Roger Whitney dives into the essential elements of not just surviving, but thriving in retirement. We kick off with a listener's story about the challenges of early retirement and the important questions that arise during this transition. Then, we shift gears to a practical planning segment on how to rebalance your retirement portfolio as life and market conditions change. Lastly, we hear from Karen and Shannon, two adventurous retired women, as they share their inspiring experiences traveling internationally and building confidence in their new lifestyles. Tune in for insights that can help you rock your retirement!

SUMMARY OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

(00:00) This show is dedicated to helping you rock retirement.
(00:54) Next week on the show we are going to talk about how to quality check your retirement plan.

ROCKIN’ RETIREMENT IN THE WILD

(01:34) A listener sent in an email about her retirement experience.

PRACTICAL PLANNING SEGMENT

(04:50) In the practical planning segment, Roger reviews how to rebalance your portfolio in retirement.
(06:30) What is rebalancing, and why does it matter in retirement?
(08:30) How often should you rebalance your portfolio?
(09:20) Step 1: Review your actual spending compared to your plan of record.
(11:03) Step 2: Adjust or update your projected spending for the year ahead.
(13:30) Step 3: Refresh your income estimates and update asset values.
(15:19) Step 4: Run a feasibility check—use Monte Carlo simulations or your household balance sheet.
(16:01) Step 5: Test your plan’s resilience and update your allocation strategy.
(18:45) Step 6: Consider your contingency fund—how much cushion do you need, and how will you refill your 5-year income floor?

INTERVIEW WITH SHANNON AND KAREN ABOUT TRAVELING IN RETIREMENT

(22:51) Roger talks with Shannon and Karen about traveling internationally in retirement as single women.
(31:10) You had several hurdles to overcome.
(33:13) Karen says she likes traveling with a group and hiring individual guides.
(37:05) Newer tours are much more curated and intimate than they used to be.
(42:25) What advice would you give to someone who is single and nervous about traveling internationally alone?

SMART SPRINT

(47:34) In the next seven days, schedule an hour to an hour and a half during the third quarter of the year for a “retirement rebalancing meeting,” clearly outlining your plan on your calendar so you can prepare and follow through effortlessly.

BONUS

(48:30) Roger reads from his grandfather’s WWII journal.

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Transcript

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0:00.0	Welcome to the show dedicated to helping you not just survive retirement, but to have the confidence
0:08.3	to lean in and rock it because you're doing the right work in the right way.
0:13.2	My name is Roger Whitney. I'm excited to have you here today. Today on the show, we are going to
0:18.5	have a rocking retirement in the wild story. And then in our practical planning segment, we are going to have a rocking retirement in the wild story.
0:22.0	And then in our practical planning segment, we're going to address how do you rebalance your retirement portfolio as time goes on?
0:31.4	And then lastly, we're going to continue to explore travel.
0:35.3	We're going to have a conversation with Karen and Shannon, two strong
0:38.8	retired women that are single, that are navigating, traveling internationally and feeling
0:46.1	confident about it and creating interesting experiences. So there's a lot to learn there.
0:51.9	Now next week on the show, we're going to talk about how to quality check your retirement plan.
0:57.5	Something I've not ever really heard talked about, but is critical to having confidence in your plan.
1:04.1	You've got to be careful.
1:04.9	There's a lot of goals you're entering and the frequency of the goals and the amounts and the investment assets, etc.
1:11.6	If you're entering things incorrectly, unintentionally, that could dramatically skew the results
1:19.0	of what your plan says is possible, which is what you're going to make decisions on.
1:25.0	Garbage in, garbage out. We've got to be careful about that. So that's what we're going to do next week. But for now, let's get to rocking retirement in the wild.
1:36.0	In this segment, we share a story from a listener that is retired and doing the work to create a
1:42.6	great life. So I got an email from a listener.
1:45.7	She says, I am one of your older listeners, 71 years old.
1:49.9	I am starting week three of retirement.
1:53.1	Do I love it?
1:55.1	Not yet.
	...

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