If you’ve read economic headlines recently and thought, “Well, that’s not comforting,” you’re not alone. Market swings and broader economic uncertainty are enough to make even confident investors second-guess their strategies.
And here’s the hard truth: Wall Street doesn’t care if you’re retiring next year. It doesn’t care if you’re five years away. And it definitely doesn’t care if you’re lying awake at night wondering if you’ve done “enough.”
The good news? You can take steps to build confidence.
On a special episode of the HerMoney Podcast, sponsored by @LIMRARetirement, Jean sits down with two of the smartest voices in retirement – Jason Fichtner, Executive Director of the LIMRA Retirement Income Institute and David Blanchett, head of retirement research at Prudential, a portfolio manager at PGIM and a LIMRA Retirement Income Institute Fellow – to talk about how to step off the emotional rollercoaster of the markets and build a retirement plan that feels stable, predictable and livable.
Chapters:
00:00 – Market volatility is threatening retirement plans
00:56 – Meet Jason Fichtner and David Blanchett
02:57 – Should you panic about the market right now?
05:11 – Why pre-retirees overreact to market drops
07:04 – The psychology of staying invested
08:30 – The risks hiding inside your retirement plan
09:42 – What is sequence of return risk?
10:39 – The three-legged retirement stool explained
12:39 – Is Social Security actually safe?
22:29 – Why retirees underspend (and the “license to spend” research)
24:38 – The case for a retirement paycheck mindset
28:08 – Rethinking the 60/40 portfolio — adding protection
28:41 – Gen X and retirement: special concerns
29:53 – How to stress test your retirement plan
30:51 – How to find the right financial planner
31:57 – Top tips to get started today
Protected income can play a helpful role in creating more stability in retirement. If you’re curious and want to dig deeper, these two resources from LIMRA can help:
Retirement planning can feel complex. This resource breaks down how fees and commissions work, so you know what to expect and what questions to ask: https://hermoney.com/wp-content/uploads/2026/02/1217-2025_AnnuityMyths_1.pdf
There’s plenty of conflicting information online about annuities. This guide walks through common misconceptions and explains the basics to help you better understand how they fit into retirement planning: https://hermoney.com/wp-content/uploads/2026/02/1221-2025_AnnuityMyths_2.pdf
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