COLA Updates, AI, and Diversification: Mapping the Modern Retirement Landscape

Stay informed about the changing retirement landscape with hosts Wes Moss and Christa DiBiase as they unpack today’s relevant financial topics—from the growing influence of AI-related stocks to strategies for maintaining a well-balanced retirement plan. This episode of the Retire Sooner Podcast focuses on education, awareness, and practical insights to help you better understand the factors that can potentially shape your long-term financial journey.

• Explore how AI-related stocks are influencing the S&P 500 and what increased market concentration may mean for maintaining a diversified investment mix.

• Review thoughtful rebalancing considerations designed to help preserve diversification across asset classes—including small caps, mid caps, international equities, and fixed income.

• Understand the structure and potential risks of employee stock purchase plans (ESPPs), including holding periods and portfolio exposure considerations.

• Clarify what the idea of a “million-dollar retirement” represents by examining how individual goals, income needs, and household spending habits differ.

• Consider long-term planning concepts such as Roth IRA conversions for inherited assets and the potential benefits of engaging multiple generations in family financial discussions.

• Examine the latest Social Security Cost of Living Adjustment (COLA), how it compares historically, and common perspectives regarding future program sustainability.

• Evaluate options for managing excess savings allocated toward shorter-term goals—such as travel or home projects—based on time horizon and comfort with potential market movement.

• Discuss flexible withdrawal and income planning considerations that may help support the transition from early retirement to Social Security eligibility.

Enhance your financial awareness and stay up to date with the Retire Sooner Podcast. Listen and subscribe for educational discussions on market trends, retirement fundamentals, and strategies to help you make well-informed financial decisions.

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