How Much Fixed Income Do You Really Need in Retirement?

Stop letting your birthday decide your bond mix. That “age in bonds” rule feels safe, but it can quietly rob you of growth, freedom, and spending power. In this episode, Ari challenges the traditional 60/40 rule and shows how to build a smarter allocation based on your actual life, not your birth year. Using a real client story—a couple with $2 million in a 401(k), $85K in rental income, and $50K in part-time work—we explore how to balance risk, income, and long-term security without falling...