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 was not compensated in any way.


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.