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

Some cash, not too much cash in the bank, but like um 12 to 24 months of um income, it just allows you to turn off the tap for a period of time and draw from over here, and then you can balance it back out later when markets are strong. voice-verified

Because at the end of the day, coming back to what we talked about in the previous episode, if you have all of your money in conservative assets, it's guaranteed to get eroded by inflation. voice-verified

Guaranteed. voice-verified

You are well worse off in that situation. voice-verified

Mm-hmm. voice-verified

But that's the game. voice-verified

Sometimes voice-verified

Sometimes you win, sometimes you lose. voice-verified

Um the t the term retirement uh emergency fund changes in retirement. voice-verified

So you don't really have No before retirement. voice-verified

Let's say someone's heading into retirement, market drops. voice-verified

Uh you would use your cash reserves first before you draw on your portfolio. voice-verified

But this is the other bit is you need to think about these things before you retire to make sure your assets are set up properly. voice-verified

If you're going and you know, no, retiring this year and you've got the same size voice-verified

Emergency fund when you had when you were 40, you need to think about it differently. voice-verified

I ramp up the amount of cash clients have going into retirement because you're at a stage of life, if you've got a certain level of wealth, um, you should be having like like hopefully six figures in cash in retirement. voice-verified

Cause it feels good to have like a bit of cash in the bank. voice-verified

To write big spinder. voice-verified

Yeah. voice-verified

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