Robert Brokamp

speaker

4,411 appearances 40 recordings 3 series first heard Oct 2025 last heard 6d ago

Robert Brokamp’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 40 in all, peaking in Aug 2026 with 5.

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Motley Fool Hidden Gems Investing · Crucial Steps for the “Pre-Go” Years Before Retirement · 22 Aug 2026 podcast

I think most people have probably heard of three of those phases, the, you know, the go-go years, logo years, the no-go years, terms that come from a nineteen ninety-eight book by Michael Stein.

But in your book, you added the pre-go years, which you believe can actually be the most important.

So when do the pre-go years begin and what makes this time period so crucial when it comes to retirement planning?

I think one of the trickiest aspects of this, and perhaps one of the least appreciated aspects, is that workers in general aren't actually that good about predicting when they will retire.

And you kind of touched on that.

And I think some studies show that the difference is about three years, but you know, some people retire sooner because they maybe made that emotional connection and they had enough money.

Might be they didn't have a choice.

They got laid off or health issues, either their own or their spouse's.

So do you think that everyone should plan on retiring sooner than they probably expect?

Once you reach that point in your career, you could call it maybe the fourth quarter of your career, 10 years before retirement or so.

Obviously one aspect of this is the de-risking of your portfolio.

Does that begin 10 years, five years beforehand?

And practically speaking, how do people do that?

So that's good advice for managing the portfolio.

But as IRA expert Ed Slot likes to point out, that we're not the sole owners of our portfolios.

Uncle Sam is a part owner.

And in your book, you talk a good bit about taxes and you emphasize that when it comes to tax management, it's not just how am I going to lower my taxes this year, but how am I going to lower my taxes over the course of my retirement, which is really over the course of our lives.

So given that, what do you think people in the pre-go phase should be thinking about when it comes to taxes?

Wow, that's amazing.

These are the pre-go years.

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