Weathering Market Downturns: EDU #2514

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 729 Ratings

🗓️ 2 April 2025

⏱️ 65 minutes

🔗️ Recording | iTunes | RSS

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Summary

Chris’s Description
Jim and I talk about how market downturns—like the one we’re seeing now—can cause people to second-guess their plans, even when they’re well prepared. We walk through how our Secure Retirement Income Process is designed to provide structure and clarity during volatile times, and explain how proper positioning can help you maintain perspective.

Jim’s “Pithy” Description
Chris and I are back this week with a timely conversation—because if you’ve looked at the headlines lately, you’d think the sky is falling. “Boomers in Trouble,” “Retirement Fears,” you name it. Meanwhile, the S&P is down about eight and a half percent from its recent high, and you’d think it was 2008 all over again. I get it. Even folks with millions in savings start to feel uneasy when their statements show a dip. Especially if you’re newly retired and that paycheck just stopped coming.

So we took a step back and talked through why I built the Secure Retirement Income Process and the See Through Portfolio in the first place. It’s not about chasing returns—it’s about helping you see your money clearly. Which dollars are for next year? Which ones are for twenty years from now? That clarity matters. Especially when fear starts knocking.

And yes, I go on a bit of a rant (a productive one!) about how headlines prey on emotions, how panic can sabotage your go-go years, and how, if you’re not careful, you’ll rob yourself of the very fun you saved all those years to enjoy. I even share a new addition to my own bucket list—a historical tour through Italy, inspired by my latest deep dive into Roman history. You think I’m putting that off because the market’s down eight percent? Not a chance!

The post Weathering Market Downturns: EDU #2514 appeared first on The Retirement and IRA Show.

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. All information is believed to be from reliable sources. However, we make no representation as to its completeness or accuracy. All economic and performance information is historical in nature and is not indicative of any future results. Any indices mentioned on the show are unmanaged and cannot be invested indirectly. Diversification and asset allocation strategies do not assure profit or protect against loss.
0:23.8	Never make any investment or financial decisions based on information offered on this show
0:26.9	without first consulting your financial legal or tax advisor.
0:29.7	Financial planning services offered through Jim Solnior and Associates LLC, a registered investment advisor.
0:47.2	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:52.8	Join us as certified financial planner Jim Sonier, as well as Colorado State University Finance Instructor and Certified Financial
0:55.2	Planner Chris Stein, teach you about IRAs, borough in case, annuities, Social Security,
1:01.2	pension plans, and estate planning in a fun and enjoyable show. Whether you are listening live in
1:06.9	Colorado or streaming from their website or iTunes podcast, Jim and Chris want you to know that they're
1:12.7	available to help you plan for your retirement. Just visit their website at Jimhelps.com.
1:18.5	That's Jim H-E-L-P-S.com and click the Meet the Team button on the homepage.
1:24.8	Now here's Jim and Chris with today's show.
1:29.1	Well, hello and welcome to the Retirement and IRA show, EDU edition for this week.
1:35.0	We're not going to have a continuation of the last couple of EDU shows where we were
1:40.2	chatting a little bit about the things that make you go, hmm, from most recent Ed
1:47.9	slot training.
1:48.6	Today we're going to stay on a kind of a topic that is on people's minds, this fine April 1stst 2025 when we are recording this and uh have some you've
2:06.5	noticed over the past few weeks the stock market's been a bit volatile and it's been a while
2:15.2	since we've seen this kind of market behavior.
2:20.5	Certainly not the first time nor the last time.
2:21.8	We'll see something similar.
2:29.2	But whenever there's this type of activity, we get bombarded, us in the public, get bombarded by articles talking about things like, well, I've got a few in front of me here.
	...

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