In this episode of Net Worthwhile Weekly, Tim Maurer and Tony Welch dive into a surprising insight from JP Morgan’s Guide to Retirement: while most people believe their risk tolerance steadily declines as they age, the reality—and the best strategy—might be more nuanced.
They explore:
✅ Why risk tolerance isn’t just about age—it’s about ability, willingness, and need.
✅ How the Grow, Protect, Give, Live framework helps you view your assets through different lenses.
✅ Why the sequence of returns in early retirement matters so much.
✅ When it might actually make sense to increase risk later in life for legacy planning.
✅ A thought‑provoking takeaway from Bill Perkins’ book Die With Zero on gifting during your lifetime.
If you’ve ever wondered how to adjust your investment risk as you transition from earning to living off your assets—and ultimately to giving—this conversation is packed with perspective.
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