Dear Patriot,

Yesterday, I showed you how to build a retirement portfolio that fits _you_. But even the perfect plan can collapse if you ignore this: **sequence of returns risk.**

It’s not just how much your portfolio earns—it’s _when_ those gains and losses hit. If the market tanks early in your retirement while you’re making withdrawals, you could run out of money _decades_ sooner—even if the average return looks fine on paper.

The elites know this. That’s why they use **cash buffers**, **bond ladders**, and **multi-bucket strategies** to ride out storms without touching their main nest egg.

Tomorrow, I’ll walk you through how to build a buffer strategy that guards your income in any market.

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^Sponsored Content^

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**Poll Of The Day**

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**Fun Fact Of The Day**

Two retirees with the _same portfolio_ and _same average return_ can end up with wildly different outcomes—just based on when the bad years hit.

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