The #1 Retirement Fear (And How to Avoid It)

Hi Vaulted Viewer,  

Retirement should be a time of freedom, security, and fulfillment, yet so many investors hesitate to spend the money they’ve worked so hard to save. Why? Fear. Fear of running out of money, fear of market downturns, and fear of making the wrong financial decision.  

In this week’s episode of Vaulted Views, I do my first solo episode where I break down why even wealthy retirees struggle to spend confidently—and why hiring a financial advisor can help them overcome this hesitation and achieve financial freedom.

I also spend some time talking about what makes a great financial advisor, which is the combination of EQ (emotional quotient), IQ (intelligence quotient), and BQ (business quotient) in their practice. This might sound like fancy business lingo, but all it really means is being smart about your practice, being a student of the industry, and being empathetic to your clients' fears and financial goals. This framework applies not only to financial advisors, but to any business owner.

Here’s what you’ll take away from this episode:
✅ Why so many retirees under-spend their savings – And how working with a financial advisor can help them confidently enjoy retirement without the fear of running out of money.
✅ The power of The Bucket Strategy® – A segmented portfolio approach that anticipates market downturns by setting aside years of safe money to spend from so an investor’s retirement paycheck is unaffected by the fear of short-term market volatility.
✅ The best financial advisors incorporate EQ, IQ and BQ into their practice - Bridging the gap between financial acumen (IQ), emotional well-being (EQ), and a structured approach to retirement income (BQ) for the betterment of their clients. 

🎧 Listen now at 👉 www.rayluciajr.com.

Thanks for being a part of Vaulted Views! If you find this episode valuable, forward it to someone who could benefit from it.

Cheers!
Ray Lucia Jr.

Host of Vaulted Views 

1. For Investors: If you have at least $500k to invest, I can connect you with a financial advisor at Lucia Capital Group. Click here to schedule an appointment

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