After several strong years in the stock market, many retirees may be taking on more risk than they realize. In the premiere episode of Ray Brown’s Wealth Strategies, Ray explains why recent market gains can create a false sense of security and why your current portfolio may no longer reflect your true comfort level.

Ray introduces his one-to-ten risk tolerance scale and explains how retirees can balance growth potential with financial guarantees through a two-bucket retirement strategy. He also discusses the dangers of withdrawing income during a market decline, why time becomes increasingly important near retirement, and how guaranteed assets may give other investments time to recover.

In Ray’s Mailbox, Ray answers two important questions: How can you determine whether you have enough money to retire safely, and can a personalized financial analysis account for your future income needs and goals?

The message is simple: You do not have to guess your way through retirement.