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How to Navigate Retirement in the 21st Century

Financial Planner Says a New Kind of Diversity is Necessary To Protect Against Another 2008-style Economic Disaster

Topic Summary

While the world is still feeling the long ripples of the economic meltdown that began six years ago, our economic institutions remain “too big to fail” – at least in the minds of millions of retired Americans and those soon to join their ranks, says veteran financial advisor Curt Whipple.

“That’s what we see when we review their retirement portfolios,” says Whipple, a Certified Wealth Strategist, Certified Estate Planner and CEO of C. Curtis Financial Group. He recently published “Retiree Lifeline! How to Get Government Out of Your Pocket,” (, a retirement planning guide.

“I see it all the time: New clients come in with what they believe to be a ‘diverse’ portfolio. While it may be diverse in terms of Wall Street holdings, a solid retirement plan also requires diversity outside of a system that’s ‘too big to fail’ – but can and has.”

When Wall Street crashes, it shouldn’t mean that Main Street must, too. Whipple outlines the three kinds of money retirees should have available for enjoying the golden years with peace of mind.

Discussion Questions

  • Where do people go wrong in their beliefs about what constitutes a “diverse” portfolio?
  • What is the biggest mistake you see people making concerning their retirement and assets?
  • What makes up a diverse portfolio for retirement; do you mean different mutual funds?
  • How can someone know they are properly diversified?
  • What concerns retiree’s the most about their financial future and what can they do about it?

Listen to the Whole Interview Here:

About The Author

Curt Whipple

Curt has been in the financial services industry for 29 years. He formed C. Curtis Financial Group in 1986. Curt is a Certified Estate Planner (CEP), Certified Wealth Strategist (CWS) and securities licensed through Kalos Capital, Inc. Curt is a published author and nationally recognized speaker and has been married to his wife Connie for 32 years.