Should you invest a large sum of money all at once or spread it out over time? Ashley explains why your retirement timeline matters when deciding how to invest new money. If you're nearing retirement and worried about market volatility, having a systematic investment plan can help you avoid making decisions based on fear.

Watch the full video for more.
_____________________________
Thanks for watching! Want to hear more? Check out my daily podcast: Retirement with Ashley wherever you listen to podcasts:

::: Podcast website: https://truenorthretirementadvisors.com/retire-with-ashley
::: Apple Podcasts - https://apple.co/2DI2LSP
::: Spotify - https://bit.ly/3KCQakz
::: iHeart Radio - https://bit.ly/3ViRNc4

Get a daily dose of retirement advice with the Retirement with Ashley podcast! Each episode is 3-5 minutes long and jam-packed with actionable advice to help you live a financially secure and fulfilled retirement.

_____________________________
Get in touch:
Ashley Micciche, QPFC, CRPC, CeXP
CEO, True North Retirement Advisors
https://www.truenorthretirementadvisors.com

Disclosure: https://truenorthretirementadvisors.com/disclaimer/

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Received an inheritance, proceeds from a home sale, or another large sum of money? Deciding how to invest it can be overwhelming, but leaving everything in cash or keeping inherited investments unchanged may not be the best approach. Ashley shares how she thinks through investing new money so it fits your long-term financial goals.

Watch the full video for more information.
_____________________________
Thanks for watching! Want to hear more? Check out my daily podcast: Retirement with Ashley wherever you listen to podcasts:

::: Podcast website: https://truenorthretirementadvisors.com/retire-with-ashley
::: Apple Podcasts - https://apple.co/2DI2LSP
::: Spotify - https://bit.ly/3KCQakz
::: iHeart Radio - https://bit.ly/3ViRNc4

Get a daily dose of retirement advice with the Retirement with Ashley podcast! Each episode is 3-5 minutes long and jam-packed with actionable advice to help you live a financially secure and fulfilled retirement.

_____________________________
Get in touch:
Ashley Micciche, QPFC, CRPC, CeXP
CEO, True North Retirement Advisors
https://www.truenorthretirementadvisors.com

Disclosure: https://truenorthretirementadvisors.com/disclaimer/

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How should you invest a large sum of money without making costly mistakes? Whether you've received an inheritance, rolled over a 401(k), or accumulated extra cash, deciding when and how to invest can feel overwhelming—especially when you're worried about a stock market crash.

Ashley Micciche shares the process she uses as a financial advisor to help clients invest new money. She explains how to use additional funds to rebalance your portfolio, improve diversification, and potentially avoid unnecessary capital gains taxes. She also discusses the temptation to chase popular investments like AI stocks and whether investing a lump sum all at once or gradually over several months makes more sense as you approach retirement.

The biggest mistake may be letting fear keep your money sitting in cash indefinitely.

Would you rather invest a large sum all at once or spread it out over time? Let us know in the comments!

Subscribe to Retire with Ashley for practical retirement planning and investment strategies.

Chapters:
0:00 How to invest new money without second-guessing yourself
2:56 Start with your stock and bond allocation
3:47 Use new money to improve diversification
5:46 Avoid chasing hot investment trends
7:13 The risks of investing in AI stocks
8:40 Should you invest all at once or gradually?
10:11 How to systematically invest a lump sum
11:38 The most important rules for investing new money
_____________________________
Thanks for watching! Want to hear more? Check out my daily podcast: Retirement with Ashley wherever you listen to podcasts:

::: Podcast website: https://truenorthretirementadvisors.com/retire-with-ashley
::: Apple Podcasts - https://apple.co/2DI2LSP
::: Spotify - https://bit.ly/3KCQakz
::: iHeart Radio - https://bit.ly/3ViRNc4

Get a daily dose of retirement advice with the Retirement with Ashley podcast! Each episode is 3-5 minutes long and jam-packed with actionable advice to help you live a financially secure and fulfilled retirement.

_____________________________
Get in touch:
Ashley Micciche, QPFC, CRPC, CeXP
CEO, True North Retirement Advisors
https://www.truenorthretirementadvisors.com

Disclosure: https://truenorthretirementadvisors.com/disclaimer/

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Retiring with significant debt can leave you with fewer options when the stock market falls. Ashley explains why reducing fixed expenses and maintaining flexibility can make the difference between temporarily cutting back on spending and potentially facing a lasting change to your retirement lifestyle.

Watch the full video linked above for strategies to prepare your retirement for the next market downturn.
_____________________________
Thanks for watching! Want to hear more? Check out my daily podcast: Retirement with Ashley wherever you listen to podcasts:

::: Podcast website: https://truenorthretirementadvisors.com/retire-with-ashley
::: Apple Podcasts - https://apple.co/2DI2LSP
::: Spotify - https://bit.ly/3KCQakz
::: iHeart Radio - https://bit.ly/3ViRNc4

Get a daily dose of retirement advice with the Retirement with Ashley podcast! Each episode is 3-5 minutes long and jam-packed with actionable advice to help you live a financially secure and fulfilled retirement.

_____________________________
Get in touch:
Ashley Micciche, QPFC, CRPC, CeXP
CEO, True North Retirement Advisors
https://www.truenorthretirementadvisors.com

Disclosure: https://truenorthretirementadvisors.com/disclaimer/

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How much cash should you have when you retire? Ashley breaks down three important reserves to consider: emergency savings, money for major planned expenses, and 12 months of investment withdrawals. Having liquid funds available may help you avoid selling investments during a market downturn.

Watch the full video linked above to see how cash reserves fit into a retirement plan._____________________________
Thanks for watching! Want to hear more? Check out my daily podcast: Retirement with Ashley wherever you listen to podcasts:

::: Podcast website: https://truenorthretirementadvisors.com/retire-with-ashley
::: Apple Podcasts - https://apple.co/2DI2LSP
::: Spotify - https://bit.ly/3KCQakz
::: iHeart Radio - https://bit.ly/3ViRNc4

Get a daily dose of retirement advice with the Retirement with Ashley podcast! Each episode is 3-5 minutes long and jam-packed with actionable advice to help you live a financially secure and fulfilled retirement.

_____________________________
Get in touch:
Ashley Micciche, QPFC, CRPC, CeXP
CEO, True North Retirement Advisors
https://www.truenorthretirementadvisors.com

Disclosure: https://truenorthretirementadvisors.com/disclaimer/

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Could your retirement portfolio withstand another 2008 financial crisis or dot-com crash? Ashley explains why stress-testing your investments against historical market downturns can reveal risks you may not realize you're taking, especially if most of your retirement savings are invested in stocks.

Watch the full video linked above for more ways to prepare your retirement for market volatility.
_____________________________
Thanks for watching! Want to hear more? Check out my daily podcast: Retirement with Ashley wherever you listen to podcasts:

::: Podcast website: https://truenorthretirementadvisors.com/retire-with-ashley
::: Apple Podcasts - https://apple.co/2DI2LSP
::: Spotify - https://bit.ly/3KCQakz
::: iHeart Radio - https://bit.ly/3ViRNc4

Get a daily dose of retirement advice with the Retirement with Ashley podcast! Each episode is 3-5 minutes long and jam-packed with actionable advice to help you live a financially secure and fulfilled retirement.

_____________________________
Get in touch:
Ashley Micciche, QPFC, CRPC, CeXP
CEO, True North Retirement Advisors
https://www.truenorthretirementadvisors.com

Disclosure: https://truenorthretirementadvisors.com/disclaimer/

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A 30% market decline can turn a $1 million retirement portfolio into $700,000. And if you're withdrawing money at the same time, recovering from that loss becomes even harder. Ashley explains why retiring into a bear market can have lasting consequences and why it's important to prepare before it happens.

Watch the full video linked above to understand sequence-of-returns risk and ways to prepare for it.
_____________________________
Thanks for watching! Want to hear more? Check out my daily podcast: Retirement with Ashley wherever you listen to podcasts:

::: Podcast website: https://truenorthretirementadvisors.com/retire-with-ashley
::: Apple Podcasts - https://apple.co/2DI2LSP
::: Spotify - https://bit.ly/3KCQakz
::: iHeart Radio - https://bit.ly/3ViRNc4

Get a daily dose of retirement advice with the Retirement with Ashley podcast! Each episode is 3-5 minutes long and jam-packed with actionable advice to help you live a financially secure and fulfilled retirement.

_____________________________
Get in touch:
Ashley Micciche, QPFC, CRPC, CeXP
CEO, True North Retirement Advisors
https://www.truenorthretirementadvisors.com

Disclosure: https://truenorthretirementadvisors.com/disclaimer/

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What if you spend decades saving for retirement, only to retire right before the stock market crashes? Ashley explains why retirement timing matters and how cash reserves, backup income, flexible spending, and Social Security decisions can help you prepare for an uncertain market.

Watch the full video linked above for a deeper look at preparing your retirement for a major downturn.
_____________________________
Thanks for watching! Want to hear more? Check out my daily podcast: Retirement with Ashley wherever you listen to podcasts:

::: Podcast website: https://truenorthretirementadvisors.com/retire-with-ashley
::: Apple Podcasts - https://apple.co/2DI2LSP
::: Spotify - https://bit.ly/3KCQakz
::: iHeart Radio - https://bit.ly/3ViRNc4

Get a daily dose of retirement advice with the Retirement with Ashley podcast! Each episode is 3-5 minutes long and jam-packed with actionable advice to help you live a financially secure and fulfilled retirement.

_____________________________
Get in touch:
Ashley Micciche, QPFC, CRPC, CeXP
CEO, True North Retirement Advisors
https://www.truenorthretirementadvisors.com

Disclosure: https://truenorthretirementadvisors.com/disclaimer/

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What happens if you retire at the worst possible time — just before a stock market crash, recession, or period of high inflation?

After decades of saving and investing, the last thing you want is a major market downturn right when you start withdrawing money from your retirement accounts. But retiring into a bear market can have consequences that last for decades, even if the market eventually recovers.

Ashley explains sequence of returns risk, why the timing of market losses matters so much in retirement, and how retirees in the late 1960s and during the 2008 financial crisis faced particularly difficult circumstances.

More importantly, she discusses how to build a financial cushion around your retirement plan. From managing investment withdrawals and maintaining cash reserves to reducing expenses and reconsidering Social Security timing, there are ways to give yourself more flexibility when markets don't cooperate.

You can't predict the next market crash. But you can prepare your retirement plan for the possibility.

Are you concerned about retiring just before a major market downturn? Share your thoughts in the comments.

Subscribe to Retire with Ashley for practical retirement planning strategies, investment insights, and retirement income guidance.
_____________________________
Thanks for watching! Want to hear more? Check out my daily podcast: Retire with Ashley wherever you listen to podcasts:

::: Podcast website: https://retirementquicktips.com/
::: Apple Podcasts - https://apple.co/2DI2LSP
::: Spotify - https://bit.ly/3KCQakz
::: iHeart Radio - https://bit.ly/3ViRNc4

Get a daily dose of retirement advice with the Retire with Ashley podcast! Each episode is 3-5 minutes long and jam-packed with actionable advice to help you live a financially secure and fulfilled retirement.

_____________________________
Get in touch:
Ashley Micciche, QPFC, CRPC, CeXP
CEO, True North Retirement Advisors
https://www.truenorthretirementadvisors.com

Disclosure: https://truenorthretirementadvisors.com/disclaimer/

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