Created: March 29, 2019
Modified: December 14, 2022

Four Ways You’re Moving The Goalpost In Retirement

What You’ll Learn:
Fear and procrastination will lead to all sorts of trouble in your financial life. If these emotions cause you to continuously change your financial goals, learn why, and discover how to put a firm plan in place.

00:56 – Volatility Is Back On Wall Street.

2:54 – Just How Much Cash Do You Need?  

  • If you never feel like you have enough cash in the bank, you could be moving the goalpost in your retirement plan. Sure, you need to have an emergency fund, but too much cash in the bank is just as dangerous as a risk-filled portfolio. We want to keep some of your money liquid, but the rest of it needs to be working for you in the market. Make sure your wealth is keeping up with inflation.

5:18  – Get Serious About Saving. Stop Moving The Goalpost By Procrastinating.

  • As the old Nike saving goes, “Just Do It.” Stop procrastinating your saving. If you’ve been meaning to start saving more for retirement, do it. You can always stop in six months if your plan doesn’t seem to be working. Stop putting off your financial future.

6:57 – If You’re Procrastinating Your Need To Take The Risk Out Of Your Portfolio, You’re Moving The Goalpost.

  • If your portfolio is over-exposed to Wall Street, you need to remove some of the risk. While it might be tempting to continue riding the Wall Street roller coaster, it could be dangerous for you in retirement. Don’t be greedy. Adjust your risk exposure before it’s too late.

8:44 – Stop Moving The Goalpost And Pushing Back Your Retirement Date.

  • Maybe you’re afraid to retire. If so, it’s easy just to keep working out of fear. We want you to work because you enjoy it, not because you’re uncertain about your financial future.


  • 12:27 – Tim is a dentist. He owns a dental practice, and he owns his own office building as well. He’s planning to retire, and he wants to know whether he should sell his practice but keep the building.
  • 15:48 – Vicky says she’s most likely getting a divorce in the next couple of years. She’s retired, and her husband will be retiring soon. She wants to know how her assets and retirement will be affected by the divorce.
  • 19:04 – The airline Harvey flies for is eliminating his pension and offering him a buyout instead. He’s not being forced to retire, but he also won’t be increasing his pension by working longer. He wants to know whether he should go ahead and retire.
  • 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!”

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