James (Host - Lighthouse Financial Advisor)

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2,966 appearances 15 recordings 1 series first heard Jul 2026 last heard 20 Aug

James (Host - Lighthouse Financial Advisor)’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 15 in all, peaking in Aug 2026 with 9.

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Cheques and Balances · How to Avoid Going Broke in Retirement | Episode 523 · 13 Aug 2026 podcast

So making sure you're on the right assets going into retirement's important. voice-verified

So if you're working and markets drop, if you're regularly contributing, you are going like you beauty. voice-verified

Like if your Kiwi Saver drops in value, that's actually a really, really good thing for you, which most people go, Kiwi Saver drop in value that bad, but you're buying it at discount. voice-verified

If you're in retirement though, and you are taking out a regular income and then the markets drop, but you still need to take that regular income, that my friend, in the game. voice-verified

You are about to learn something incredibly interesting, Michael, which is uh when we start to talk about sequencing risk in a little bit, which is actually just how big of an impact if you have a good run versus a bad run um at the start of your retirement in terms of like market returns. voice-verified

So to answer your question, I mean if you think about it though, right? voice-verified

I had two and a half million dollars. voice-verified

By the end of year one, I'm down to 1.9. voice-verified

It's not a lot of. voice-verified

Nah, that's stressful. voice-verified

What happens if it happens again? voice-verified

Exactly. voice-verified

you've lied to me, just like all those other dodgy advisors. voice-verified

And the other thing with this as well, right? voice-verified

You're retired. voice-verified

You've given up the game. voice-verified

You just told me to spin money. voice-verified

Now I feel guilty. voice-verified

You are enjoying your retirement. voice-verified

You can't go back to you're not going back to work. voice-verified

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