The First Few Years of Retirement Can Make or Break Your Portfolio

Sequence-of-returns risk could undo years of careful planning. Here’s how that happens, and a couple of ways to help avoid it.

Dark clouds in a stormy sky
(Image credit: Getty Images)

Many Americans wisely set aside money for the day when they can stop working, kick back, and enjoy the twilight years of their lives.

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The appearances in Kiplinger were obtained through a PR program. The columnist received assistance from a public relations firm in preparing this piece for submission to Kiplinger.com. Kiplinger was not compensated in any way.

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This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.

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Frank Diana, Investment Adviser Representative
Co-Founder, Sterling Bridge Financial Group

Frank Diana, co-founder of Sterling Bridge Financial Group, has more than a decade of experience as a financial professional. He is an investment adviser representative and maintains a Series 65 license. He also received National Social Security Advisor certification. Diana’s firm specializes in retirement planning for retirees and pre-retirees, offering services that include Social Security maximization, tax-mitigation strategies, active investment management and income distribution planning.