Here's 5 Portfolio Changes To Create More Income In Retirement

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

Building a retirement income strategy involves more than selecting dividend-paying stocks. A focus on total return — which includes both growth and income — can offer a more comprehensive approach for long-term planning.

• Relying solely on dividend-paying stocks may reduce portfolio diversification and growth potential
• Total return (income + growth) can provide a broader view of long-term investment outcomes
• Asset location strategies may improve tax efficiency depending on the type of account
• Bond ladders with staggered maturities can help create more consistent income over time
• Annuities can provide structured income, though they may have limitations such as fees or inflation sensitivity
• The most effective strategy is one that aligns with your goals, risk tolerance, and understanding
• Be cautious with complex products — understanding fees, liquidity restrictions, and structure is essential

Advisory services are offered through Root Financial, an SEC-registered investment adviser. This content is intended for general informational purposes only and should not be construed as personalized investment, tax, or legal advice. Advisory relationships are established only through a signed agreement. Any examples discussed are hypothetical and for illustrative purposes. If client experiences are referenced, no compensation was provided and their experience may not be representative of others. Comments shared publicly are unsolicited and do not reflect the views or experience of all clients. They are not verified and should not be construed as testimonials or endorsements. Root Financial does not provide tax or legal advice. Tax planning topics are discussed in the context of comprehensive financial planning and should not be relied upon as a substitute for professional advice. All investments involve risk, including possible loss of principal. Past performance is not indicative of future results. Watching or listening to this content does not create an advisory relationship.

Create Your Custom Early Retirement Strategy Here
Get access to the same software I use for my clients and join the Early Retirement Academy here

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.

“Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions.

Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov.

Chapters

1. Introduction (00:00:00)

2. The Dividend-Only Mistake (00:02:30)

3. Understanding The Total Return (00:06:53)

4. Bond Ladders and REITs Explained (00:08:40)

5. The Annuity Trap (00:13:32)

6. Final Thoughts & Disclaimer (00:17:00)