Created: August 6, 2020
Modified: September 9, 2022

Episode 11: Will My Retirement Funds Recover?

Thank you for joining me for Episode 11 of my Money Wisdom Question Series, where I film answers to common financial and retirement investment questions in 2 minutes or less. The question I’m answering today is “Will my retirement recover?” You are not alone if you’re feeling this way. So many people over the last few short months or even year or so have taken a hit in their retirement savings. People’s 401(k)’s and other savings are down. They could have been laid off for a while and they just feel like, “Oh my gosh, I’ve just gone backward by one year, two years, five years, maybe even more!” So what I want you to do is think about what you want in retirement. How much income do you want? Do you need to do a reset?

A Ways Away from Retirement:

If you’ve got a while before retirement, historically speaking, your retirement savings will recover – at least it has in the past. Over a long period of time, the stock and bond markets have earned money, but time is on your side for doing that.

Close to Retirement:

If you’re close to retirement, that’s a challenge and you might need to do a re-do or re-project your retirement income needs. This is a reset and you will need a new retirement income analysis, which a good professional can help you with and find out where you stand. Some of you can do this on your own, but the problem is, us humans get emotional about our own money. Hypothetically speaking, if you retire at age 65, ask yourself, “Where do I stand? How much income can I take?” A finance professional will factor in everything like pensions and Social Security, etc.


Will your retirement recover? It depends on how much time you have. It will if you have enough time. If you don’t have enough time, you might want to do a reset. Everyone should get a retirement income analysis from a professional and a fiduciary. Even if you’re really good at it on your own, a second opinion and set of eyes is always a good idea. Thanks for joining me and I hope you found this information helpful! P.S. If you enjoyed this topic and you want to hear more, you’ll love this blog article where I talk about a similar subject. P.P.S. Feel free to submit questions here for a chance to have them answered!
Schedule Free 15-Minute Call
We want you to have the opportunity to have any questions about money answered with no obligation.
  • 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.”

  • Robert G.
    Robert G. is a client of Johnson Brunetti and received no compensation for his statement.

    “We’ve been clients of Johnson-Brunetti for > 10 years. We’re enjoying a comfortable retirement as a result. Many thanks to Joel and our CFP, Eric Hogarth. I wish we had plugged into this decade approach back when we were in our 30s.”

  • 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!”

    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.