Episode 70: The 5 D's of Retirement Planning

July 16, 2026

According to a recent Kiplinger article, there are five keys to a retirement plan that hold up over time. They all happen to start with the same letter, which either means it's a great framework or someone really wanted it to work out that way. In this episode, advisor guest host Ryan Hoover joins the show to walk through the “5 D’s” of retirement planning and how each one plays a role in helping retirees build a plan that can hold up over time.

Here’s some of what we discuss in this episode:

- Diversification: More than investment mix

- Duration: Planning around time

- Downside Protection: Guarding retirement income

- Discretionary Income: Spending with confidence

- Portfolio Drag: Avoiding hidden return killers

Go Inside the Episode:

0:00 – Intro

1:05 – Diversification

3:06 – Duration

4:52 – Downside Protection

6:01 – Discretionary Income