Do you want to depend on the volatility wheel for your retirement?

Saturday, September 12, 2026

On the My Money is Safe show, host Greg Elie of Prosperity Group, joined by Patti Jaynes and Dan Puck, warns retirees and near-retirees against letting extreme market volatility dictate their plans. They argue that an 18-year bull market since 2008 has left many younger advisors unprepared for downturns, and they highlight sequence-of-returns risk—where early losses combined with withdrawals can devastate a portfolio, as illustrated by contrasting “lost decade” and post-2010 outcomes for identical $500,000 accounts taking $30,000 yearly income.

The team promotes the Rule of 100 (subtract age from 100 to limit stock exposure), in-service 401(k) rollovers, Roth conversions that can add nearly 30% via bonuses to offset taxes, hybrid index strategies (e.g., crediting 6–7% if the S&P gains just 1%), guaranteed income, proper Social Security timing, and asset-based long-term care to protect against inflation, longevity, and care needs.

Personal stories of family caregiving underscore the emotional and financial stakes, while the hosts urge listeners to lock in gains, separate income from market risk, and contact them at 1-800-297-5755 or MyMoneyIsSafe.com for tailored safe-money approaches.