In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase explore the role of dry powder assets in retirement planning and revisit “FOMO Freddie”—a cautionary character representing the risks of chasing investment trends without a long-term strategy. 🚀

They discuss why trend-chasing can be detrimental and how aligning with a consistent investment approach may help support long-term outcomes. You’ll hear comparisons of various investment styles—index, value, growth, momentum, and minimum volatility—and the potential drawbacks of “style timing” versus maintaining a steady allocation.

The episode also covers listener questions around portfolio transitions, including strategies for minimizing market disruption when moving IRAs or 401(k)s.

Additional topics include:

• Understanding TreasuryDirect accounts like I Bonds and EE Bonds

• Key risks of Market Linked Notes, including credit and liquidity concerns

• The “three-year dry powder” rule of thumb as a retirement buffer

• Age-based asset allocation considerations, including I Bonds as a potential emergency fund component for younger investors

• Considerations around high-yield municipal bond funds, especially for tax-conscious, high-net-worth retirees

• Factors to weigh when deciding whether to work with a financial advisor, including costs and allocation structure

Looking for help to strengthen your financial plan? Tune in for thoughtful insights to help you navigate market decisions with clarity and caution. For additional resources, visit yourwealth.com.

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