Stop letting your birthday decide your bond mix.

That “age in bonds” rule feels safe, but it can quietly rob you of growth, freedom, and spending power.

In this episode, Ari challenges the traditional 60/40 rule and shows how to build a smarter allocation based on your actual life, not your birth year. Using a real client story—a couple with $2 million in a 401(k), $85K in rental income, and $50K in part-time work—we explore how to balance risk, income, and long-term security without falling into the target-date trap.

You’ll hear:

• Why age-based rules and target-date funds often miss the mark
• How to define risk as losing purchasing power, not watching prices move
• When higher equity can safely support early retirement dreams
• How to use part-time work, rental income, and Social Security to reduce bond dependence
• Turning volatility into an advantage with Roth conversions and tax-smart rebalancing
• The “five-year war chest” method for withdrawals without panic selling

It’s not about chasing returns, it’s about funding freedom. Learn how to design your portfolio around the life you want, not the rule someone made decades ago.

If this conversation helped you rethink your allocation, follow the show, share it with a friend, and leave a quick review.

Ready to build a plan that aligns your investments, taxes, and cash flow? Visit https://www.rootfinancial.com/start-here/ to start your custom plan today.

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Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.

The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.

Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements

Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.

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Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.