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Are You on Track? A Visual Tool for Your Withdrawal Rate

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When planning for retirement, two important questions to ask yourself are: Am I taking on too much risk—or not enough? And what is a reasonable withdrawal rate to pull from my investment accounts?

In this video, I walk through a great visual tool that helps you self-analyze your current or future withdrawal rate. It provides a clear picture of how your investment strategy may play out over the next 30 years—helping you see whether you’re on track to have money left over.

Here at Ross Financial, our goal is to help you position your investments according to your long-term goals and risk level—not based on short-term emotions or current events.

This is a great resource to share with friends, family, or colleagues who may also be wondering if they’re striking the right balance between risk and security.

Click above to watch the full video!

And of course, your unique situation may require a conversation—if you’d like help evaluating your withdrawal rate or adjusting your strategy, we’re happy to assist. Just reach out!

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The Power of Playing Devil’s Advocate in Investing

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In this video, Matt is sharing insights from a keynote speaker at a recent psychology and investor behavior conference. The term Devil’s Advocate might sound negative, but its true purpose is to challenge assumptions for better decision-making. At Ross Financial, we don’t challenge ideas just to be contrarian—we do it to advocate for YOU! Our goal is to help you see all angles and make the best financial choices.

Click the video above to hear the full message!

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An Important Financial Lesson from the Top of Crystal Mountain

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In this week’s Matt’s Minutes, Matt and Dylan share a powerful financial lesson from the summit of Crystal Mountain. Just like navigating a foggy ski run, you don’t need to see the entire path ahead—just the next right turn. The same applies to your finances. While no one can predict the future, making thoughtful, strategic decisions today sets you up for success tomorrow.

Click the video above to hear the full message and learn how taking the next best step can keep you on the right financial path.

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Are “Rules of Thumb” worth following?

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In today’s video, we’re revisiting the 4% rule for retirement—a classic rule of thumb that’s making a comeback! The 4% rule suggests that you can safely withdraw 4% of your retirement savings annually without depleting your nest egg. But is it truly a one-size-fits-all approach? Factors like inflation, risk tolerance, investment performance, and spending behaviors all play a role in determining whether this strategy works for your unique circumstances.

👉 Click play to learn how the 4% rule fits into modern retirement planning and how to tailor it to your financial goals!

This is the article I reference in the video: The 4% Rule for Retirement Is Back

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Why Hail Mary Plays Rarely Win the Game in Investing

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In this week’s Matt’s Minutes, I share an idea for the first time ever!

I draw a parallel between baseball (Football, not baseball) and investing to highlight an important lesson: It’s rarely the “hail mary pass” at the end of the game that wins the game. If you aren’t sure what I am referring to, allow me to explain.  A hail mary pass is a desperation pass from the QB to no particular person in hopes that one of their own team members secures the ball in the endzone in an attempt to win the game. Sure, every once in a while it works (it worked a couple weeks ago in fact).  Many clients come to me with regrets about not investing in a particular ‘hot’ stock, but the truth is, we don’t rely on high-risk, high-reward strategies.  If football teams relied on the hail mary pass as their strategy to win, their win/loss record would be dismal. In this video, I share a personal story where a hail mary investment in my own personal account was successful, but it didn’t significantly impact my overall portfolio. Click the video above to understand why steady, strategic plays are the real game changers in your financial journey.

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Prevention Vs. Cure

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In today’s episode of Matt’s Minutes, we dive into the topic of prevention versus cure when it comes to retirement planning. As the saying goes, an ounce of prevention is better than a pound of cure. Our goal is to help you take the necessary steps now to avoid potential financial pitfalls later and ensure your financial security in retirement. Just as in healthcare, where prevention is better than cure, the same principle applies to your financial well-being. Click on the video above to watch the full video.

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Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services are offered through Raymond James Financial Services Advisors, Inc. Constellation Wealth Services is not a registered broker dealer and is independent of Raymond James Financial Services.

Matthew Ross has been named 2024 Forbes Best-In-State Wealth Advisors, developed by Shook Research, is based on the period from 6/30/2022 to 6/30/2023 and was released on 4/3/2024. 42,108 nominations were received, and 8,500 advisors won. Neither Raymond James nor any of its advisors pay a fee in exchange for this award. More: https://bit.ly/43DMgjX. Please see https://www.forbes.com/best-in-state-wealth-advisors for more info.

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