The 60/40 portfolio has been a retirement planning staple for decades, but changing interest rates, strong equity markets, and difficult bond returns have caused plenty of investors to question whether it still works.

In this episode, Matt and Steve Paul explain why 60/40 can still be a useful starting point, but not necessarily the right answer for everyone. The bigger goal is to match the portfolio to the investor’s actual income needs, comfort with volatility, and ability to take risk.

Here’s what we discuss in this episode:

📊 60/40 Isn’t Dead: It can still serve a purpose

⚖️ Tolerance Isn’t Capacity: Comfort and ability differ

💵 Income Changes Risk: Guaranteed cash flow matters

📉 Bonds Still Have a Role: Higher yields change the equation

🔄 Rebalancing Matters: Strong stocks can quietly increase risk

Learn more about us: https://www.rwpaul.com/our-firm

Contact Matt & Steve: https://www.rwpaul.com/contact

Phone: 248-305-9911

Find us on YouTube: https://bit.ly/481OA51

🎯 Not sure where you stand with your retirement plan? Schedule your Complete Planning Review: https://www.rwpaul.com/complete-planning-review

Get an inside look at how the team is navigating a volatile year in markets while still focusing on retirement-focused outcomes. Matt is joined by special guest Bepin Serraj, CFA, for a mid-year look at how different strategies are performing and where adjustments are being made. The bigger takeaway is that staying diversified and disciplined still matters, especially when leadership in the market keeps shifting.

Here’s what we discuss in this episode:

📈 Equity Strength: Diversification is paying off

🌍 Global Markets: International areas gain ground

📉 Bond Struggles: Fixed income remains challenged

🧠 Active Management: Selectivity matters in bonds

💻 Software Rebound: Recent weakness creates opportunity

🏥 Healthcare Exposure: AI may support innovation

🔄 Rebalancing: Trim winners when needed

Learn more about us: https://www.rwpaul.com/our-firm

Contact Matt & Steve: https://www.rwpaul.com/contact

Phone: 248-305-9911

Find us on YouTube: https://bit.ly/481OA51

🎯 Not sure where you stand with your retirement plan? Schedule your Complete Planning Review: https://www.rwpaul.com/complete-planning-review

Matt and Steve share a brand-new free resource built specifically for Ford, GM, and Stellantis employees preparing for retirement. In this episode, they walk through their new website, explain the updated Auto Worker’s Guide to Lump Sum Pensions, and break down some of the biggest financial decisions auto workers face. From pension versus lump sum choices to Social Security, annuities, healthcare, and retirement income planning, the conversation highlights why these “million-dollar decisions” deserve careful planning and personalized guidance.

Here’s what we discuss in this episode:

📚 Free Retirement Resource: A no-barrier education hub for “big three” retirees

🚗 Pension vs. Lump Sum: Why this decision impacts your entire retirement

📉 Interest Rates Matter: How rates can dramatically affect lump sum values

🛡️ Survivor Planning: Important considerations for spouses and beneficiaries

🧩 Hybrid Income Strategies: Combining pensions, annuities, and investments thoughtfully

Big Three Retiree: https://www.bigthreeretiree.com/

Learn more about us: https://www.rwpaul.com/our-firm

Contact Matt & Steve: https://www.rwpaul.com/contact

Phone: 248-305-9911

Find us on YouTube: https://bit.ly/481OA51