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Approaching retirement when markets are turbulent can make even seasoned investors anxious. In this episode, you’ll learn practical strategies for navigating uncertainty, ensuring your retirement stays on track.

Listen now and learn:

► How your portfolio differs from the broader market—and why it matters.

► A common retirement mistake to avoid during periods of volatility.

► Why your investment strategy should evolve as you transition from accumulation to retirement.

► The overlooked value of professional guidance when managing retirement withdrawals.

Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

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Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment.

The commentary in this “post” (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client.

References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others.

Please see disclosures here.

Big financial decisions ahead? Whether it’s retirement, a career change, or navigating complex investments, get expert guidance in a quick, no-pressure call. Schedule yours now.

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In this episode, Mark Higgins, author of Investing in U.S. Financial History, reveals how understanding historical market crashes and human behavior can provide investors a powerful advantage. Discover why financial history is more than just fascinating stories—it’s a blueprint for smarter investing.

Listen and learn:

► The surprising ways historical market crashes mirror today’s economic climate
► Why understanding investor psychology from past crises can protect your portfolio
► How politics and inflation have historically influenced market behavior
► Key lessons from history that help investors avoid common emotional pitfalls

Tune in to learn how the past can help prepare your investments for the future.

Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

(00:00) Introduction

(02:00) Why Human Behavior and Financial History Are Inseparable Guides for Investors

(09:24) The Interplay of Politics, Inflation, and Investor Behavior

(13:17) Stocks, Alternatives, and the Power of Simplicity

(16:51) Herd Behavior and Misunderstood Market Crises

(21:01) Building a Resilient Long-Term Portfolio

(28:12) Truly Unprecedented: Today’s Fiscal Picture

(29:23) Connect with Mark Higgins

Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment.

The commentary in this “post” (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client.

References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others.

Please see disclosures here.

Where is your money really going? Most people are surprised when they track it. Use my Cash Flow worksheet to see exactly where your money is going—and how to make it work for you. Download it now.

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Which approach is better: income-focused or total return investing? Many investors believe they should live off the income their portfolio generates—and never touch the principal. It feels responsible. Conservative. Safe.

But in this episode, I explain why that mindset often leads to worse outcomes.

Listen now and learn:

► Why relying only on dividends and interest can increase your risk

► How a total return strategy offers greater flexibility and sustainability

► What behavioral traps drive the income-only approach

► Research-backed reasons to shift your retirement spending strategy

Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment.

The commentary in this “post” (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client.

References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others.

Please see disclosures here.