In this episode of the Net Worthwhile Weekly Podcast, Tim Maurer, Chief Advisory Officer at SignatureFD, is joined by CIO Tony Welch to tackle a familiar—but flawed—narrative: that investing is offense before retirement and defense after.
Using football season as a backdrop, Tim and Tony explore why this offense/defense mindset is too simplistic and how investors should instead think about money as a continuum.
They discuss:
Why “time is on your side” only tells part of the story in pre-retirement investing
How over-simplified rules of thumb can cause people to bail out at the worst times
The danger of sequence-of-returns risk in retirement—and how to manage it
The Grow, Protect, Give, Live (GPGL) framework and how it reframes investing at every stage
Why giving shouldn’t wait until the end—and how generosity, time, and relationships fit into the picture
The big takeaway: investing isn’t about flipping from offense to defense at retirement. It’s always both. The GPGL framework adapts with you, whether you’re still building wealth, entering retirement, or shaping your legacy.
