Redeem Financial Group

We’re excited to announce our second Life Skills Workshop, designed to help young people build a strong foundation for their future! While our last workshop focused on money management, this session is dedicated to career and professional development.
 
We’re offering this exclusive, hands-on workshop to the teens, friends, and families of our clients. Each session is designed to stand on its own, so they’ll get a well-rounded and valuable experience while learning practical, real-world skills like resumé building and networking that they can use for life!

Register through the link in our bio!

A retirement decision, three ways.

A couple came to us with one question: does she retire now, or do they wait?

Instead of picking a side, we built them three complete plans. Their original path. Retiring now. And a safety-net version that changes almost nothing about their day-to-day, just gives them more room if the market turns.

All three worked. Each one held up, each one got them to a secure retirement, and each one came with its own tax strategy built in worth millions in extra lifetime wealth. There was no wrong door here.

What decided it wasn’t which plan performed best on paper. It came down to what the two of them actually valued, together, and it changed how they felt about the decision itself. That’s the real value of planning like this: not a verdict, but clarity on what you’re actually choosing between.

Three plans. Same couple. Their choice.

Studies of individual investor returns consistently show a meaningful gap between what investors earn and what their funds earn.

Not surprisingly, the only difference between those two numbers is the investor’s behavior — selling during drawdowns, buying during rallies, getting in and out at the wrong moments.

The good news is that the only thing you have to do to earn the full return the fund has to offer is to own it and never sell.

It is that simple, but that doesn’t mean it will always be easy.

Imagine I handed you a coin and told you it lands heads 74% of the time. When it lands on heads, you win an average of 21.4% of your stake. When it lands on tails, you lose an average of 13.4%.

Would you flip the coin?

Most people would flip it as many times as they were allowed.

It won’t surprise you to know that the coin I just described is the S&P 500 since 1926.

Same coin. Same odds. And yet when it lands tails — even once — many investors put the coin in a drawer and walk away.

History doesn’t promise the next flip will be heads. But it does say the long-run odds have favored the ones who kept flipping.

Market volatility is often framed as something investors must endure.

But it can also be something investors use.

When markets decline, several planning opportunities can appear:

Rebalancing portfolios.
Tax-loss harvesting.
Roth conversions.
Putting available cash to work.

None of these eliminates volatility.

But they can help turn periods of uncertainty into moments of action rather than reaction.

The two hardest things to do as an investor:

1) Sell an asset that’s been going up.
2) Buy an asset that’s been going down.

Both feel wrong every time, but this is what “buying low and selling high” is all about.

While doing this on any given day may seem incredibly difficult on the surface, a systematic rebalancing approach can do this for you without you having to make a single buy or sell decision.

And when done consistently across decades, rebalancing has historically been a meaningful source of returns.

When the market is hitting new highs on a regular basis, many investors tend to get wary about putting money to work, and might even consider getting out of the market for a while.

They think “the market is too high” is a prudent reason to sell.

When faced with this decision point, there’s a quote (paraphrased) that I return to again and again from Nick Murray in response. Mr. Murray said,

“If you think the market is too high right now, wait 20 years.”

One look at a long-term chart of the market and you will find the truth of this quote to be self-evident.