Plain-English research for investors near retirement.
We’d rather educate you than pitch you. Start with the research brief; the pieces below pull a single idea out of it, one at a time.
Start here: the whole argument in 15 minutes
Our brief walks through the structural shifts that changed retirement planning, in plain English, with every claim sourced:
- Why the order of returns can matter more than the returns themselves
- How “diversified” index funds became a concentrated tech bet
- What 2022 revealed about the stock-bond “seatbelt”
- The income floor: how engineered outcomes actually work
Five ideas worth your fifteen minutes
Each of these is covered in depth in The Retirement Risk Shift. Standalone articles will publish here over time — for now, the brief is the fastest way in.
Same returns, opposite outcomes
Why the order of your returns can matter more than the returns themselves once you start withdrawing — and why the first decade of retirement drives roughly 77% of the final outcome.
Get the brief →500 stocks. 10 of them are 40% of the bet.
How a “diversified” index fund quietly became a concentrated mega-cap technology position — and why that interacts badly with drawing income.
Get the brief →What 2022 revealed about 60/40
Bonds had one job: to rise when stocks fall. In 2022 they fell together. Why the seatbelt failed, and why the conditions behind it haven’t gone away.
Get the brief →Winners and losers, at the same time
The last decade’s growth was broad. AI is different — it creates winners and losers simultaneously, and dispersion is where “the index” stops telling you the truth.
Get the brief →The income floor
From asset allocation to outcome engineering: the structural idea underneath all of it, and the questions to ask before restructuring anything.
Get the brief →The research brief is free with the 2-minute Retirement Risk Quiz — we’ll email your copy the moment you finish.
Ready for a plan, not a market gamble?
Start with the 2-minute quiz, or go straight to a 15-minute conversation. Either way, you’ll know more about your plan than you did this morning.
No cost. No obligation. No pressure — ever.
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