In this episode, Jerry Davidse of Presilium Private Wealth breaks down one of the most overlooked parts of retirement planning: building a financial cushion to help protect your investment accounts during market downturns.

Market declines can happen suddenly and without warning — and history shows that drops of 20% or more have occurred multiple times since 1980. For retirees who rely on their portfolio for income, selling investments during a downturn can permanently impact long-term financial security.

Jerry explains:

🌟 Why a cushion matters for retirement income stability

🌟 How long market recoveries typically take

🌟 A simple way to calculate your cushion based on your annual spending and income sources

🌟 How knowing your cushion helps determine the right mix of stocks vs. more stable assets

🌟 Why ...