Mastering Market Risk: How to Build an Investment Strategy That Works — Without Guessing

Beau Henderson and RichLife Advisors' Chief Investment Strategist, Jay Coulter, have an eye-opening conversation on navigating today’s markets with clarity and confidence.

“It’s the set of the sails, not the direction of the wind, that determines which way we’ll go.” 

Using the metaphor of a sailboat, Beau and Jay explore how thoughtful, rules-based adjustments — not wild guesses — can help keep your financial journey on course, no matter which way the market wind blows.

Jay outlines five key factors that smart investors are watching this quarter:

• Rising core inflation and its influence on Federal Reserve policy
• A sharp pullback in AI and tech stocks
• The resurgence of value stocks over growth stocks
• Undervalued opportunities in small-cap companies
• A notable shift in capital flows toward bonds, gold, and international markets

The heart of the conversation centers on building an investment system that helps reduce uncertainty and increases the likelihood of achieving your retirement goals. 

Beau and Jay also tackle one of the most important — and least understood — questions in retirement planning: Is your advisor earning their fee?

Drawing on Vanguard’s long-standing Advisor Alpha study, they break down where real value lies: behavioral coaching, tax-smart asset location, efficient withdrawal strategies, and aligning your investments with your life goals.

Financial advice should be personal, disciplined, and centered around helping you feel confident about your future.

Disclaimers:

Investing in securities involves risk, including potential loss. No investment strategy can guarantee returns or eliminate risk. Investment values and income can fluctuate with market conditions. Past performance does not predict future results.

References to protection or steady income apply only to fixed insurance products, not securities or investment advisory products. Guarantees depend on the insurance company's financial strength. Surrender charges apply for early withdrawal, which is taxed to ordinary income and may incur a 10% federal tax penalty if taken before age 59 and a half.

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Investment advisory services offered through Fiduciary Capital, Inc., a state registered investment advisor.

Disclosures:
* Not associated with or endorsed by the Social Security Administration or any other government agency. Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If, as an example, you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits.

** RichLife Advisors does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstances.

Investing involves risk, including possible loss of principal. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

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