Transition Period Strategy Part 2 – Positioning and Repositioning: EDU #2517
The Retirement and IRA Show
Jim Saulnier, CFP® & Chris Stein, CFP®
4.3 • 729 Ratings
🗓️ 23 April 2025
⏱️ 78 minutes
🧾️ Download transcript
Summary
Chris’s Summary:
Jim and I are again joined by Jacob as we continue exploring transition period strategy—the years just before retirement when you’re not yet withdrawing but want to prepare. We cover how near-retirees can manage emotional reactions to volatility while positioning assets to support early retirement spending. For those using our Minimum Dignity Floor
and Fun Number approach, we walk through how to identify which dollars need protection and where a degree of principal protection fits.
Jim’s “Pithy” Summary:
Chris, Jacob, and I pick up where we left off last week—diving even deeper into what we call the “Venn diagram” years. That’s the messy overlap between accumulating assets and using them, when you’re still working but close enough to retirement that your portfolio better start shaping up for showtime. This is where a solid transition period strategy can make all the difference. We dig into the emotional side of repositioning, including why I think “locking in a loss” is more of a mental roadblock than a financial catastrophe, and why trying to time your way back to some magical high-water mark is a recipe for regret.
I take a bit of a detour into prospect theory, sequence of return risk, and what I jokingly call the 11th Commandment (spoiler: it’s not “thou shalt not sell unless at an all-time high”). Chris breaks down how DIYers can map out future spending in those first critical retirement years, Jacob walks through investment timelines and buffered strategies, and I try not to spill coffee on my laptop mid-rant.
Show Notes: As promised here is the photo of the foot space on Jim’s flight. According to our helpful listener, the space shown in the red box between the aisle and middle seats belongs to the middle seat passenger. This is because the middle seat loses space to the window seat due to the fuselage curve, and regains it on the aisle side. The aisle seat has slightly less space overall but can extend into the aisle if needed.
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Transcript
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| 0:00.0 | The retirement and IRA show represents the words and views of the show hosts exclusively and should not be construed as investment legal or tax advice. |
| 0:06.8 | All information is believed to be from reliable sources, however, we make no representation as to its completeness or accuracy. |
| 0:11.9 | All economic and performance information is historical in nature and is not indicative of any future results. |
| 0:16.4 | Any indices mentioned on the show are unmanaged and cannot be invested indirectly. |
| 0:19.8 | Diversification and asset allocation strategies do not assure profit or protect against loss. |
| 0:23.7 | Never make any investment or financial decisions based on information offered on this show |
| 0:26.8 | without first consulting your financial legal or tax advisor. |
| 0:29.6 | Financial planning services offered through Jim Solnior and Associates LLC, a registered investment advisor. |
| 0:47.0 | This is the retirement and IRA show coming to you from beautiful Northern Colorado. |
| 0:52.1 | Join us as certified financial planner Jim Sondier, as well as Colorado State University Finance Instructor and Certified Financial |
| 0:55.0 | Planner Chris Stein teach you about IRAs, borrow-in-case, annuities, Social Security, |
| 1:01.0 | pension plans, and estate planning in a fun and enjoyable show. Whether you are listening |
| 1:06.1 | live in Colorado or streaming from their website or iTunes podcast, Jim and Chris want you to know that |
| 1:12.3 | they're available to help you plan for your retirement. Just visit their website at Jimhelps.com. |
| 1:18.4 | That's Jim H-E-L-P-S dot com and click the Meet the Team button on the homepage. Now here's Jim and Chris |
| 1:26.1 | with today's show. Well, hello and welcome to the |
| 1:30.9 | retirement and IRA show. Ed.U edition for this week. On this week's show, we're going to continue |
| 1:37.2 | with a theme we started, a show or two ago, talking about positioning your assets for use in and through retirement. |
| 1:47.2 | And today we're going to finally get to a response to an email. |
| 1:52.8 | I know this is an E.D.U. show, but this topic was a bit prompted by an email where somebody |
| 1:58.8 | wrote to us and asked us to provide them some insight as to how we |
| 2:03.7 | would deal with kind of an asset positioning task in the years leading up to retirement. |
... |
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