Your Wealthy Retirement: Reduce Risk & Grow Your Wealth With A Pension Styled Approach When New To Retirement

John De Goey (a podcast covering financial literacy, financial advisors & wealth)
  • 5.0 (1)
  • Business
  • Semiweekly

Have you thought about how our retirement planning can be derailed by having a portfolio built using principles that might no longer work? In the current financial climate, you need actionable ideas to help reduce risk and grow your retirement wealth. Your wealthy retirement will help you navigate investing and financial planning by exposing how traditional advice often fails to incorporate these changes. You'll Discover: 1. How to protect your retirement wealth against today’s changing investment landscape and economic risks. 2. How you can adapt your retirement strategy to major trends like rising longevity, trade uncertainty, and climate change. 3. Ways to build greater confidence in your retirement finances with wealth-preservation strategies designed for today’s challenges. Tune in every Thursday where you'll hear thought leader, author and portfolio manager John De Goey show you how to reduce risk and protect your wealth with a pension styled approach. If you're thinking about becoming a subscriber (highly recommended), listen to recent fan favorite episode #147 with Tom Czitron to get started - hit play & listen now!

  1. 6d ago

    #318 | Why Knowing Your Risk Tolerance Isn't Enough: Behavioral Finance, Decision-Making, and Retirement Planning

    Have you ever wondered why investors abandon a carefully planned investment strategy when markets fall—even when they understand the risks? Your biggest retirement risk may not be the market itself, but how you react to it. Behavioral finance helps explain why emotions, cognitive biases, and decision-making patterns can lead investors to make costly choices at precisely the wrong time. In this episode of Your Wealthy Retirement, host John speaks with Kris Podolski, CFP, CIM, founder and CEO of Sigmalign Behavioral Intelligence, about how understanding investor behavior can help improve financial advice and retirement outcomes. Drawing on more than 20 years of experience advising Canadian clients, Chris shares why traditional risk assessments may not tell the whole story and why conversations about behavioral biases should happen before market volatility arrives. In this episode, you'll learn: Why investors make costly decisions during market downturns. Understand how emotional reactions and behavioral biases can lead you to sell investments at the wrong time and potentially undermine your long-term financial plan.How to prepare for better retirement decisions. Discover how proactive conversations, behavioral awareness, and strategies such as cooling-off periods can help you approach challenging financial decisions more deliberately.Why understanding your behavior matters as much as understanding risk. Learn how financial advisors can use insights into decision-making patterns to tailor their guidance, strengthen client relationships, and support more informed retirement planning. If you want to make more confident financial decisions and protect your retirement plans from the effects of emotional investing, listen to this episode and discover how understanding your behavior can help you navigate market uncertainty. Worried about the current investment climate and your money? Click the link below and book a call for personalized advice to help you feel secure and protected about your retirement: https://yourwealthyretirement.s.gy/pod

  2. Oct 22

    #317 | Jeff Rubin on Retirement Planning, Inflation, and Portfolio Management in a World That's Changed Forever

    Has the world changed so much that the retirement investment strategies you've relied on for decades may no longer work? In this episode of Your Wealthy Retirement, host John speaks with economist and bestselling author Jeff Rubin about the new world order and what it means for your financial future. From tariffs and trade wars to persistent inflation, rising bond yields, and growing government debt, the forces reshaping the global economy could have significant implications for your retirement savings. Jeff explains why traditional assumptions about stocks and bonds may need to be reconsidered, how economic and geopolitical tensions are changing markets, and why retirees should think carefully about protecting their purchasing power and managing investment risk. In this episode, you'll learn: Why inflation may be harder to control as tariffs, supply-chain disruptions, and changing global trade relationships reshape the economy.How rising bond yields could affect your retirement portfolio, including the risks facing traditional bonds and the potential role of shorter-term guaranteed investments.What to consider when managing retirement risk in a changing economic environment, including potential inflation hedges and the importance of reassessing conventional investment strategies. The old investment playbook may not be enough for the world we're entering. Listen now to discover how today's economic shifts could affect your retirement—and why reviewing your portfolio may be an important step toward protecting your wealth. Worried about the current investment climate and your money? Click the link below and book a call for personalized advice to help you feel secure and protected about your retirement: https://yourwealthyretirement.s.gy/pod

  3. Oct 15

    #316 | Asset Classes for a Changed World: Why Following the US Market Could Leave Your Portfolio Exposed

    Worried about the current investment climate and your money? Click the link below and book a call for personalized advice to help you feel secure and protected about your retirement: https://yourwealthyretirement.s.gy/pod What if the investment strategy that worked for the past decade is no longer suited to the world we're entering? AI, persistent inflation, geopolitical fragmentation, climate change, and uncertainty surrounding the US dollar are reshaping the investment landscape. For investors planning for the next decade, these changes raise important questions about traditional portfolios, the role of bonds, and the opportunities emerging beyond public equities. In this episode, we speak with Amneet Singh, Director of Asset Allocation and Strategy at Russell Investments Canada, and co-author of A Strategic Asset Allocation for the Next Decade. He explains why investors may need to rethink traditional diversification and consider a broader range of asset classes as the global economy evolves. In this episode, you'll discover: Why traditional diversification may need a rethink — Explore how inflation, higher debt levels, and changing stock-bond relationships could challenge the role bonds have traditionally played in a portfolio.How private markets could expand your investment opportunities — Understand the potential diversification roles of private equity, private credit, infrastructure, and real estate as companies seek new sources of capital.Why global diversification matters in a fragmented world — Learn how regional differences, emerging markets, valuations, AI, and shifting supply chains could create new opportunities and risks for investors. Listen to discover how a changing investment regime could reshape your approach to asset allocation—and why keeping an open mind about diversification may be essential for navigating the next decade. Disclaimer: This episode is for educational purposes only and does not constitute investment advice. The views expressed by the guest are his own and do not necessarily represent those of Russell Investments Canada. John De Goey's Books. Grab your copy from Amazon: Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

  4. Oct 8

    #315 | Why Your Retirement Investing Strategy Won’t Protect You From Climate Risk & What to Do Instead

    What happens to your wealth when the world changes faster than your portfolio can adapt? Climate change is no longer just an environmental concern—it can create financial risk through inflation, extreme weather, changing asset values, insurance costs, and physical exposure that traditional financial models may fail to capture. In this episode, we speak with Ron Dembo, CEO and founder of Risk Thinking AI, about why investors need to rethink how they measure risk in a rapidly changing climate. Ron explains why climate change should be viewed as a volatility problem, why many assets may be improperly priced, and why retirees—with less time to recover from major losses—could be particularly vulnerable. You’ll learn: How climate risk can create hidden exposure in your portfolio and why traditional financial models may not fully account for it.Why inflation can threaten your retirement security and what kinds of assets may provide a stronger hedge against rising costs.Why becoming more conservative may be essential when the future is radically uncertain and climate-related risks are becoming harder to ignore. Listen to the full episode to discover how you can make more resilient wealth decisions in a world where climate risk and inflation may be much more significant than your portfolio assumes.

  5. Oct 1

    #314 | How Canada's Economy Is Reshaping Portfolio Resilience in the Age of Geoeconomics

    Worried about the current investment climate and your money? Click the link below and book a call for personalized advice to help you feel secure and protected about your retirement: https://yourwealthyretirement.s.gy/pod Is your investment portfolio prepared for a world where economic relationships are changing and geopolitical risks are reshaping global markets? The global economy is undergoing a fundamental shift, and Canada is positioning itself to become a more resilient, diversified, and attractive destination for investment. In this episode, we explore how Prime Minister Mark Carney's economic strategy aligns with the principles of portfolio resilience and why investors may need to rethink traditional approaches to investing. From Canada's ambitious infrastructure projects and investment tax incentives to global diversification and the growing importance of private assets, discover how economic transformation could influence portfolio construction, particularly for those approaching or already in retirement. In this episode, you'll discover: Why portfolio resilience matters in a changing global economy: Understand how geoeconomics, trade tensions, and geopolitical risks are challenging traditional investment strategies and why diversification across asset classes and regions is increasingly relevant.How Canada's economic strategy could create investment opportunities: Explore Canada's major infrastructure initiatives, investment tax incentives, and efforts to attract global capital across energy, resources, AI, defense, and transportation.How to adapt your portfolio for long-term stability: Learn about the potential role of private assets, infrastructure, commodities, and pension-style investing in building diversified portfolios designed to navigate economic uncertainty and inflation. Tune in to discover how Canada's evolving economic strategy connects to portfolio resilience and what these changes could mean for your long-term investment approach. John De Goey's Books. Grab your copy from Amazon: Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

  6. Sep 24

    #313 | Why “Save It Until You Need It” May Be the Wrong Retirement Strategy: Drawdown Strategies Explained

    Make Better Wealth Decisions is now Your Wealthy Retirement! What if the way you withdraw your retirement savings could be just as important as how much you saved? For many Canadians, retirement planning focuses heavily on accumulating wealth—but the real challenge begins when you need to turn that wealth into income. The order and timing of your withdrawals from RRSPs, RRIFs, TFSAs, and non-registered accounts can affect your taxes, government benefits, estate, and how long your savings last. In this episode, we explore retirement drawdown strategies and the trade-offs you need to consider when moving from saving to spending. We look at RRSP and RRIF withdrawals, early RRIF drawdowns, TFSA strategies, taxable investment accounts, CPP and OAS, tax brackets, estate planning, and the importance of building a withdrawal strategy around your own circumstances and priorities. You’ll learn: How to think about your retirement drawdown strategies so you can balance current income needs, taxes, government benefits, and the risk of outliving your savings.Why the timing of RRSP/RRIF withdrawals matters and how drawing down registered accounts earlier can sometimes help manage future tax liabilities.How to coordinate your TFSA, RRIF, and non-registered accounts to create a more tax-efficient and flexible retirement income strategy. Listen to the episode to understand the key trade-offs behind retirement drawdown strategies and start thinking more deliberately about how your hard-earned savings can support you throughout retirement. Worried about the current investment climate and your money? Click the link below and book a call for personalized advice to help you feel secure and protected about your retirement: https://yourwealthyretirement.s.gy/pod John De Goey's Books. Grab your copy from Amazon: Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

  7. Sep 22

    #312 | Why Private Real Estate Debt Is Changing How You Earn Interest Income With Alternative Investments - Financial Literacy, Financial Advisors & Wealth

    Are bonds and GICs really the best way to generate reliable interest income anymore? If you’ve been relying on traditional fixed income, you may be missing a lesser-known corner of alternative investments that institutions have used for decades. Private real estate debt offers a different approach to earning interest income—one backed by physical assets, shorter lending terms, and structural protections that many investors never consider. In this episode, John sits down with Spencer Hurley of Trez Capital to unpack how private real estate debt actually works, why it’s often misunderstood, and where it fits (and doesn’t fit) in a modern portfolio. In this episode, you’ll learn: How private real estate debt generates interest income and why it behaves differently than bonds or GICsThe two biggest risks investors need to understand—and how proper due diligence can reduce themWhere private real estate debt fits within alternative investments across different market cycles If you want to make better wealth decisions and understand whether private real estate debt belongs in your interest income strategy, this episode will give you the clarity you need — listen now. More About Spencer Hurley: https://www.trezcapital.com/our-team/spencer-hurley John De Goey's Books. Grab your copy from Amazon: Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

  8. Sep 17

    #311 | What the World’s Best Investing Research Reveals About Building a Portfolio, Reducing Investment Risk, and Diversifying Investments - Financial Literacy, Financial Advisors & Wealth

    Worried about the current investment climate and your money? Click the link below and book a call for personalized advice to help you feel secure and protected about your retirement: https://yourwealthyretirement.s.gy/pod Are you building a portfolio based on stories, headlines, and hot picks—or on what actually works? Most investors believe smart investing means finding the right stock, the right fund, or the right manager. But decades of real-world evidence suggest something very different. In this episode, John sits down with veteran financial professional Patrick Frigon to unpack what Nobel Prize–winning research reveals about building a portfolio, reducing investment risk, and diversifying investments in a way that actually improves long-term outcomes. You’ll hear why stock picking is so difficult, how markets absorb information almost instantly, and why trying to outsmart everyone else often leads investors to beat themselves instead. By listening, you’ll learn how to: Build a portfolio using evidence-backed principles instead of predictions and opinionsReduce investment risk without sacrificing long-term returnsDiversify investments in a way that smooths volatility and minimizes costly mistakes If you want to stop guessing and start making smarter, calmer, and more reliable wealth decisions, this episode will change how you think about investing—press play and listen now. Start planning with STANDUP Advisors: https://johndegoey.ca/ John De Goey's Books. Grab your copy from Amazon: Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

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Have you thought about how our retirement planning can be derailed by having a portfolio built using principles that might no longer work? In the current financial climate, you need actionable ideas to help reduce risk and grow your retirement wealth. Your wealthy retirement will help you navigate investing and financial planning by exposing how traditional advice often fails to incorporate these changes. You'll Discover: 1. How to protect your retirement wealth against today’s changing investment landscape and economic risks. 2. How you can adapt your retirement strategy to major trends like rising longevity, trade uncertainty, and climate change. 3. Ways to build greater confidence in your retirement finances with wealth-preservation strategies designed for today’s challenges. Tune in every Thursday where you'll hear thought leader, author and portfolio manager John De Goey show you how to reduce risk and protect your wealth with a pension styled approach. If you're thinking about becoming a subscriber (highly recommended), listen to recent fan favorite episode #147 with Tom Czitron to get started - hit play & listen now!

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