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Retirement Risks Educational Video

Sequence-of-Returns Risk, Explained

Why the order of market returns — not just the average — can make or break early retirement.

June 9, 2026 3 minRetirement Risks

About this video

Two retirees can earn the same average return and end up in very different places, simply because of when the down years arrive. In this video, Tim talks about protecting what you’ve built in the years just before and after retirement — the window when down markets do the most damage, known as sequence-of-returns risk.

It’s educational only — a framework for understanding one of the most overlooked retirement risks.

Transcript

A full transcript will be published here once this video is released. Prefer to read? Explore the related guides below for the same material in written form.

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Tim Hartle is an independent insurance professional licensed to sell annuity and life insurance products. Annuity and insurance products are not deposits, are not FDIC or NCUA insured, are not guaranteed by a bank or financial institution, and are subject to investment risk including possible loss of principal in variable products. Fixed and fixed-indexed annuities guarantee principal and a minimum interest rate, subject to the claims-paying ability of the issuing insurance company. Guarantees are not backed by the federal government. Past performance is not a guarantee of future results. This material is for informational purposes only and does not constitute financial, tax, or legal advice. Please consult with a qualified advisor regarding your individual circumstances before making any financial decisions. Product availability and features vary by state.

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