Created: February 5, 2023
Modified: February 6, 2023

Episode 85: How Do I Achieve A Balanced Life in Retirement?

How Do I Achieve a Balanced Life in Retirement?

Here at Johnson Brunetti, we work primarily with people that are retired or people that are leading up to retirement. So, it’s suffice to say we know a lot of people that have retired. Some of those folks have had great, fruitful, rewarding experiences and lives in retirement, and some of those folks maybe not so much. So, how do we make sure that we achieve a balanced life in retirement?

Spending Habits

Number one is spending habits. Make sure that you are confident that you can spend in the way that achieves your lifestyle. You don’t want to enter retirement and spend so much in the first two or three years that you regroup and say, “Well, gee, wow I need to now change things, or I can’t spend that same way.”

The goal is to make sure to be able to live that lifestyle for a 20, 25, 30-year period of time and also be able to give yourself raises throughout retirement to keep up with inflation.


Number two is lifestyle. We want a balance in our lifestyle. The folks that I meet with and speak with, I ask, “Hey, how’s retirement going for you?” The folks that are having a great time in retirement are people that have hobbies, outlets, and things that they want to do. They spend time with family, they travel, and maybe there are other things that they’re getting involved with that they didn’t have enough time to really delve into when they were working. Whether it’s starting a business, picking up an instrument, volunteering, or doing things to take up that free time that are fulfilling to them.

The folks that I speak with that are not having such a great time in retirement are people that don’t have those outlets.

A Balanced Portfolio

Finally, we want balance when it comes to our portfolio. We don’t want to be so overexposed to a ton of risk. You want to make sure that your ultimate goal is achieving a reasonable rate of return. Yes, grow what you have reasonably, but at the same time, minimize risk and minimize downside.

Many people start out saving for retirement when they’re younger or middle-aged, and they set a certain allocation and they keep plowing money into it. And that’s great, that’s what we want to see. However, then you find yourself later on, and you are retired and it’s a good time to revisit that. You don’t want to be 65 to 70 years old, retired and living off of your assets and allocating them or investing them in the same way that you did when you were 40 or 35 years old, when you were more comfortable with risk.

  • Sandy and Thomas C.
    Sandy & Thomas C. are clients of Johnson Brunetti and received no compensation for their statement.

    “We always felt our financial needs were in very capable hands. Alex Angst is great to work with. Our advisor always made us feel he had our best interests at heart and explained things so we could understand them.”

  • Lisa D.
    Lisa D. is a client of Johnson Brunetti and received no compensation for her statement.

    “Working with Johnson Brunetti has had a positive impact on my life by providing me with the knowledge, confidence, and peace of mind to move forward with my retirement plans. The process of getting to this point, through their guidance, has been informative and pleasurable.”

  • Ken D.
    Ken D. is a client of Johnson Brunetti and received no compensation for his statement.

    “I view your company as one that puts my interests first. I think that is very uncommon and very refreshing. “

  • Jeanne P.
    Jeanne P. is a client of Johnson Brunetti and received no compensation for her statement.

    “Matt does an awesome job! So easy to understand and he listens to our concerns and addresses them! happy I chose your firm!”

  • Anonymous
    This testimonial was provided by a client of Johnson Brunetti and received no compensation for their statement.

    “I have been pleased with the help and service I have received from the company. I have met several team members on Eric’s team and have found all of them very well prepared to meet with me when reviewing my portfolio. I always feel that I am an important customer and appreciate that very much. I hope the firm continues to focus on the customer and maintains its great service. I think you do a great job for someone like me!!!! I’m happy I chose your firm!”

Our Locations
Johnson Brunetti
Welcome to Our New Website!
Everything was designed with you in mind, making our retirement planning resources more easily accessible to you.
Check out your new resource center, where everything can be organized by article type or topic
Are you ready to speak with a financial advisor?
Johnson Brunetti

Investment Advisory Services offered through JB Capital, LLC.
Insurance Products offered through JN Financial, LLC.
Atlanta • Boston • Hartford | Tel: 800-208-7233

JB Capital LLC is a federally registered investment adviser under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply any level of skill or training. Information presented is for educational purposes only and is not intended as an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.

JB Capital's Form ADV | Disclaimer | Privacy Notice | Client Relationship Summary

*Information about our Affiliation with the UConn Huskies

Johnson Brunetti is a sponsor of WFSB Better Money, WCVB Better Money Boston, WSB-TV Better Money Atlanta, WTNH Money Wisdom, and WTIC Money Wisdom.