Markets move. Headlines get loud. And when volatility hits, the temptation to “do something” with your portfolio can feel overwhelming.In Episode 45 of Retire Stronger, John Foard and Bill Kearney break down why frequent portfolio tinkering often works against investors, how emotions quietly erode long-term returns, and what actually justifies making changes. You’ll learn the difference between being engaged with your plan versus reactive to noise — and why boring, rules-based investing is often the strongest strategy.If you’ve ever wondered “Should I be making changes right now?” — this episode is for you.📞 Questions about your portfolio? Phone: 704-469-0200Email: info@crownadvisorgroup dot comWebsite: https://www.crownadvisorgroup.comMeet: https://crownadvisorgroup.com/complimentary-assessment/ Chapters:[00:00:00] Why market headlines create the urge to tinker[00:02:00] Emotional decisions vs. disciplined investing[00:03:32] Not all portfolios should be treated the same[00:05:01] How financial media fuels fear and urgency[00:06:39] Why bad portfolio decisions feel smart at the time[00:07:00] Legitimate reasons to change a portfolio[00:09:00] What systematic rebalancing really means[00:11:20] Reasons that do NOT deserve portfolio changes[00:14:00] The real cost of market timing and missing key days[00:22:40] How often you should actually touch your portfolio🎧 Listen on YouTube, Apple Podcasts, Spotify, and all major platforms.👍 If this episode helped, please like, subscribe, and share it with someone who could benefit.Retire Stronger — clarity beats chaos.#RetirementPlanning #RetireStronger #FinancialPlanning #RetirementIncome

Most people judge their retirement plan by one number: their account balance.
If it’s going up, they assume everything else must be fine.

But some of the most dangerous retirement risks never appear on a statement.

In this episode of Retire Stronger, Bill Kearney and John Foard break down the hidden risks that quietly derail otherwise successful retirement plans—often years after the decisions were made. From tax concentration and required minimum distributions to sequence-of-return risk, income timing mistakes, healthcare blind spots, and misleading performance metrics, this conversation pulls back the curtain on what really matters once work ends and income begins.

If you’re approaching retirement—or already there—this episode will challenge how you evaluate your plan and help you understand why retirement success is about coordination, not just performance.

📞 Have questions or want to explore your own plan?
Call us at (704) 469-0200, email info@crownadvisorgroup.com, or visit crownadvisorgroup.com to schedule a conversation.

Chapters

(0:00) The retirement risks you’ll never see on your statement
(1:17) Why checking only your account balance creates blind spots
(2:06) Peeling back the onion: what really threatens retirement plans
(3:20) Tax concentration risk and the “silent IRS partnership”
(5:20) Taxable vs. tax-deferred vs. tax-free: why balance matters
(7:40) Sequence-of-return risk and why accumulation math breaks in retirement
(10:00) Average returns vs. real returns: the most misunderstood metric
(13:20) Income strategy gaps: income sources ≠ income strategy
(16:40) Taxes, Social Security timing, and permanent income decisions
(19:10) Healthcare, long-term care, and protection blind spots
(21:10) Retirement success isn’t beating the market—it’s coordination
(23:20) Final takeaways and next steps

Many retirees focus on investments and taxes but fail to plan properly for Medicare decisions, healthcare costs, long-term care risks, and insurance gaps. One mistake in these areas can undo decades of smart financial decisions.In this episode of Retire Stronger, John Foard and Bill Kearney conclude their 2026 retirement planning series by focusing on one of the most critical—and commonly overlooked—areas of financial planning: healthcare and protection planning.

Chapters:

(0:00) Episode Overview & Why Healthcare Planning Matters(2:05) Protection Planning vs Pessimism(4:15) Medicare Enrollment Timing & Lifetime Penalties(6:45) Prescription Drug Coverage & Annual Medicare Reviews(8:55) IRMAA: How Income Impacts Medicare Premiums(11:45) Long-Term Care Planning: The Real Risk(14:10) Cost of Nursing Homes & In-Home Care(16:50) Long-Term Care Insurance vs Self-Funding(20:10) Insurance, Umbrella Coverage & Retirement Risk(24:00) Estate Planning, Beneficiaries & Final Takeaways

📞 Work with Crown Advisors:

Schedule a Complimentary Assessment: crownadvisorgroup.com/complimentary-assessment/Phone: 704-469-0200Email: info@crownadvisorgroup dot comWebsite: https://crownadvisorgroup.com