Protect Your Retirement Savings While You Still Can

💲 NEED FINANCIAL ADVICE? 💲
1) Google "fee-only financial adviser" or visit www.NAPFA.org (largest association of fee-only financial advisers). NOT an affiliate link
2) The first question to ask any financial adviser is, "Are you a fiduciary to me 100% of the time". Get the answer in writing
3) Please note that some people call themselves "fee-based". This is NOT the same as fee-only. Fee-only advisers have committed to being fiduciary to you 100% of the time.
4) Personally, I would only hire an adviser who is a fiduciary to me 100% of the time. This is not a suggestion on what you should do. Just sharing my personal preference.

⚠️ Azul's "Scammer" Warning ➡ PLEASE READ! ⚠️
Be careful of scammers. In the comments section, I will NEVER ask you to contact me, offer any investment products, recommend a stock broker, or anything similar. Some scam bot commenters 'ask' for investment help, and later, other comment bots reply with "how great X idea/investment/person is" in the replies. These are scam threads. Do not fall for them.

🚨 Azul's VIDEOS ARE NOT FINANCIAL ADVICE (Disclaimer) 🚨

The decisions on how to invest, when to retire, and other financial planning topics are some of the most important financial decisions you will make in your life. I urge you to seek professional financial advice as you make this decision. Ideally, from a financial adviser, AND a CPA AND an attorney. Having the perspective of all three professions will help you make the right decision for you and your family.

This information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and may NOT be suitable for all investors.

This information is NOT intended to, and should NOT, form a primary basis for any investment decision that you may make. Always consult your own legal, tax, and/or investment advisor before making any investment/tax/estate/financial planning considerations or decisions.

Spoiler Alert: There are no "get rich" programs. Rather, just basic blocking & tackling and putting in time and care. Do your homework, choose wisely and (IMHO) work with experienced professionals who are fiduciary to you 100% of the time.

*178 B{Hammad}NE Protect Your Retirement BEFORE The Stock Market Crashes

[NicholasSebastin]

The scariest part of retirement planning isn’t market crashes—it’s the slow bleed. Outliving your savings because of inflation, healthcare costs, or bad timing keeps me up at night. How do you even plan for that?

[Helen_white]

It's enticing to consider purchasing some stocks in this bull run. I'm contemplating investing more than $300k for retirement. While the bull run can generate short-term excitement, i also need long-term investment strategy

[DanielHBuchmann]

Just gonna ride it out like I did in 08 and 2020

[Travlinmo]

My hardest thing during a downturn is to not dump my emergency savings and other cash INTO the market.

[Kevin.Naughton]

Great video! My portfolio is down 20% ($230k) with a year until retirement. Thinking of selling at a loss and moving into high-growth stocks to recover. What would you do?

[PatrickIliou]

I currently have a good amount in savings and checking accounts. I have zero debt. I have a 401K at work, but there's not much in it yet. I opened a Roth IRA last year, I have no idea what I'm doing and need help on what to do and how I can invest some of my savings or checking. Should I hire a financial advisor? I really lack basic education on how to invest and what in. I feel I need a lot of guidance. I have no idea what's good or bad advice.

[MaxWell-ppzs]

I don’t have a lot of resources, so I focus on hot picks like Nvidia and little in bonds. But this doesn’t guarantee the security and returns I expect in the long term. I'm considering ETFs, but questioning if relying on them, given my age (49) and the increasing market complexity, is truly realistic

[cdm]

Good advice. Okay, I'm going fishing. See you in a week.

[karendurston]

Love calm Azul. Don't lock in the loses.

[ChristinaDeAngelis-bg]

Hello Azul. I have really been soaking in all your empowering videos of late from putting money into the right buckets and taking the right distributions to offset taxes to RMD info. and the IRMA/Medicare surcharge and look back intel. While I have a fee only fiduciary advisor and fidelity advisor who guide me, you have been instrumental in helping me step up my game. THANK YOU SO MUCH for explaining these concepts in ways that resonate with me. I think my financial advisor is wondering how I became so in the know. It's the "Azul Effect". Keep up the amazing work.

[JJJ.]

Define your asset allocation based your risk tolerence. Be diligent. Stick to your plan.
Reallocate on a regular basis (quarterly). Don't reallocate when there are significant moves up and down in market.

[eweb]

We are retired... About 1/4 of our monies are NOT invested... If portfolio shows a loss at end of year, we draw from the cash pile... If portfolio has a gain, we draw from the gains and then add to the cash pile as needed. Portfolio still showing a nice gain YTD... (So far)

[shea]

I'm 52, my wife is 47, and we've been through it over and over. At close of today's 3-day rout, we're as calm as we have ever been. The price of having a calm day today is that we have been planning for uncertainty. If we make a move it won't be for a few weeks at soonest. My two cents are: Create a plan and follow it.

[DK-prny]

You didn’t lose anything unless you sell..

[MarkWeber-ol]

Good advice. Stick to your plan! Thank you for sitting still and not walking around!

[msorkin]

Plans made in the last year in allocations allows me to ride it out as stock market crashes. Glad I listened and setup an emergency fund.

[tomschmidt]

My wife and I are in our mid-70s. I try to keep 2-3 years worth of RMDs in a cash IRA. Most years we are able to live comfortability on Social Security and RMD but have the flexibility to spend more if needed. The cash IRA was a little nerve-wracking during years of high inflation and low interest rates a few years ago but less so than market volatility. All in all it works for us.

[johnd]

I am staying the course. Been thru several crashes, and got into the trap of selling . Locked in the loses only to see the Market rally in a year.

[untouchablex]

Rule Number 1, Don't Panic. Rule Number 2, Don't panic.

[HungNguyen-sedn]

Stay calm. Market will bounce back ❤ Sell only when Market is up or recovered ❤