Dear Patriot,

Yesterday, I exposed the false comfort of target-date funds. Today, let’s take back control by building a **custom retirement portfolio** that puts _your_ goals first.

Here’s how smart retirees do it:

* **Start with purpose**—how much income do you _actually_ need?

* **Mix risk with reason**—balance growth assets (like dividend stocks or ETFs) with safety nets (like TIPS or CDs).

* **Add flexibility**—build in cash, gold, or other liquid assets you can tap _without_ selling in a downturn.

* **Review it annually**—not when Wall Street tells you, but when your life changes.

This isn’t about complexity—it’s about clarity. The elites tailor their portfolios to their exact needs. Now, so can you.

Tomorrow, I’ll show you why most retirees overlook _sequence of returns risk_—and how it can quietly ruin even a well-built plan

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^Sponsored Content^

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**Poll Of The Day**

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**Fun Fact Of The Day**

A portfolio losing just **15%** early in retirement can slash total income by **20+ years**—if withdrawals aren’t managed properly.

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