James (Host - Lighthouse Financial Advisor)

speaker

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.

Trend

recordings per month · last 12 months

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

Appearances

newest first · ▶ plays the moment

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

Um and that's before considering any money that you've taken over that period of time because you still want to go and travel and have fun. voice-verified

Yeah. voice-verified

Wow, that is interesting, right? voice-verified

And I don't mind having that kind of conversation about it. voice-verified

Yeah. voice-verified

Because everybody talks about taking more risk, seeking higher returns. voice-verified

And you've just got to go age and stage. voice-verified

Yeah. voice-verified

There's I mean, in the last episode we did, we talked about the implications of just being in terms deposits and how quickly you'll erode your capital. voice-verified

But if you take too much risk, this is the downside. voice-verified

Well, if you have the loss at the start, right, and you're down like say thirty percent of your capital, that reduced capital still needs to last the rest of your retirement. voice-verified

But if you have a good run at the start and near the end, uh, you have a big loss. voice-verified

Yeah. voice-verified

Doesn't really matter as much because we're near the end. voice-verified

So we can start conservative and start remnant. voice-verified

But like in all seriousness, it's actually the opposite. voice-verified

And the I saw a Milford paper just come out a few days ago that I read that really wanted me to like talk about this subject and it illustrates it perfectly. voice-verified

So imagine we've got two investment portfolios that both start with $500,000. voice-verified

You withdraw $25,000 annually and experience alternative returns of plus 10% and minus 5%. voice-verified

One starts with a positive year and the other starts with a negative year. voice-verified

Showing 681–700 of 2,966 · page 35 of 149