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Are you ready to head down the
path to an abundant retirement?
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We're tackling the topics of the
mind of the modern retiree here.
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I'm navigating an abundant retirement
radio, and now your host, Carol Dewey.
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Hi everyone.
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It's Carol Dewey with Perpetual
Wealth Financial, and welcome back to
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Navigating Abundant Retirement, where
we help you make smarter decisions
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about your money so you can enjoy the
life you've worked hard for without
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worrying about what Washington Wall
Street, or the world is doing this week.
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If you've been watching the markets
lately, you know it's been a little
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like watching a ping pong match.
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One headline sends talks, tumbling
the next, sends them soaring again.
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Between President Trump's sharp comments
on China and his reassuring words just
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days later, we've seen markets fall
on a Friday and rebound on a Monday.
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It's been an emotional
whiplash kind of week.
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But here's the thing, markets have
always moved this way during uncertainty.
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The key is not to panic, it's to plan.
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So today I wanna talk about what's
happening behind the headlines,
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why protection matters more than
perfection, and how we help our
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clients literally sleep in peace
even when the market doesn't.
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You've probably heard the phrase up
one day down the next, but lately
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it feels like we're living it.
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A couple of Fridays ago, markets took
a hit after President Trump's critical
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comments toward China's leadership,
sparking fears of renewed trade tensions.
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Then by that Sunday he switched
gears assuring everyone that.
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It'll all be fine and stocks rebounded.
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This is classic election year volatility.
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Political rhetoric colliding with
economic fundamentals add in China's
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economic troubles, ongoing geopolitical
uncertainty, and the Federal Reserve
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trying to navigate a slowing consumer
economy, and you get this seesaw effect.
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Even big banks are showing a split story.
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JP Morgan and Goldman Sachs both reported
strong investment banking revenue,
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but they're also building billions in
reserves for potential loan losses.
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That tells us something important.
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The top half of the economy is still
spending and investing while the
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bottom half is struggling under debt.
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So what happens next?
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Likely the Fed will step in with.
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Rate cuts to provide relief, which
is good for borrowers, but it also
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reminds us that we're walking a fine
line between growth and slowdown.
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Now, all of that might sound concerning,
but this is where discipline strategy,
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not reaction makes all the difference.
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A few years ago, I met a couple who had
been through the:
2008
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They told me something that stuck.
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We sold when we couldn't sleep.
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Okay.
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That's the emotional trap.
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Investors fall into reacting
when fear is loudest.
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They didn't have a plan that gave
them permission to rest easy.
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Our firm's approach what I call
the sleep and peace Strategy
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is built to prevent that.
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There's a great framework I came across
recently from an analyst Brian Hunt.
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He teaches that markets often give us
clear signals before a major decline.
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Simple visible indicators.
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Like a six month downside breakout, a
falling 200 day moving average, or a
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pattern of lower highs and lower lows.
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These are not complicated formulas.
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They're trend signals that when red
collect correctly, allow investors to step
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back before a full-blown bear market hits.
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In other words, it's not about
trying to sleep sell at the top.
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It's about protecting your hard
earned capital so you're ready
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for the next buying opportunity.
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As Brian said, it's not so much about
perfection, but rather protection.
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Following that kind of discipline process
helps sidestep this kind of massive
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losses that can erase years of progress.
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That's what tactical
management is all about.
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We don't chase headlines.
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We follow evidence.
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Think of your portfolio like a sailboat.
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When the wind changes, you don't throw
out the sail, you adjust the angle.
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That's what our tactical
money managers do.
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When conditions shift, they
rebalance pulling back from
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sectors that are weakening and
leaning into those with strength.
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For example, earlier this year, one of
our defensive portfolios was intentionally
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designed with exposure to precious metals,
mining companies, and natural resources.
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The very areas that have been quietly
outperforming as uncertainty has risen.
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Why?
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Because metals like silver and gold
often act as shock absorbers when
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inflation flares or markets wobble.
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And right now silver in particular
is showing remarkable strength.
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In fact, global demand
has been rising fast.
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Fueled by India's buying spree,
tightening supplies, and even
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industrial demand tied to artificial
intelligence and solar technology.
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Silver has the highest electrical
conductivity of any metal, which
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makes it essential for AI chips,
data centers, and renewable energy.
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That's a long-term structural demand
story, not just a trading opportunity.
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So when you hear silver is breaking out.
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It's not just about
investors chasing returns.
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It's about positioning for a
world increasingly powered by
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data and energy efficiency.
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That's what I mean by defensive
growth assets that protect your
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portfolio from volatility, but also
benefit from real economic trends.
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Let me share another quick story.
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A client I'll call Tom, called me
last year during one of those steep.
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Um, down days.
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He said, Carol, I know the market will
come back, but I'm tired of feeling
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like I have to watch it every day.
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And that's when we reviewed his plan.
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We had already positioned him with a
balance of growth and protection part,
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tactical equities, part fixed income, and
a portion in Safe Money mindset, strateg.
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When he saw that even if the
market dropped 20%, his income
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plan and guaranteed assets
wouldn't change, he exhaled
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literally right there on the phone.
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He said, I guess that's why
you call it sleep and peace.
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It's stories like that that remind me.
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Investing isn't about beating
the market every quarter.
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It's about aligning your money with
your life so you can focus on living it.
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So let's talk about what
safe money mindset means.
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In practical terms.
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It's about diversifying across
worlds, not just within Wall Street.
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We use strategies from three worlds
of money, banking, insurance, and
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investments to build truly resilient
plans from Wall Street tactical portfolios
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that respond to changing trends.
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From insurance companies, annuities,
and life insurance solutions that
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provide guaranteed income, liquidity,
and tax advantages from banking,
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cash flow and credit flexibility
for opportunistic planning.
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Together, they create balance
growth when markets cooperate
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protection when they don't.
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The most successful retirees
I work with aren't the ones
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chasing the next hot stock.
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They're the ones who've
built a plan that lets.
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Them enjoy their life
regardless of market headlines.
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When you step back and look at
everything happening, politics,
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China, silver Prices fed policy,
it's ev easy to feel overwhelmed.
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But remember this
volatility isn't your enemy.
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Unpreparedness is.
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If you have a strategy that accounts
for both offense and defense, tactical
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portfolios for growth, safe money
strategies for protection, then you
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can weather storms without losing
sleep or as I like to say, it's
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not about predicting the next wave.
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It's about having the right boat.
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So as we close today,
here's your reminder.
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Protection beats perfection every time.
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Markets will keep moving up and down, but
peace of mind comes from having a plan
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that moves with them, not against them.
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If you're ready to find out whether
your current plan is built to help.
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Sleep and peace.
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I'd love to have that
conversation with you.
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You can visit
www.perpetualwealthfinancial.com
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or give us a call at (877) 434-6243.
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I'm Carol Dewey, and until next time,
keep your perspective, stay focused on
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your purpose, and as always, navigate
your retirement with confidence,
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and I will see you again next week.
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You should consult a financial advisor
familiar with the specific circumstances
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of your unique financial situation
before making any financial decisions.
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Nothing in this broadcast constitutes
a solicitation for the sale or purchase
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of any securities, any mentioned
rates of returns for our historical
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or hypothetical in nature, and are
not a guarantee of future returns.
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Carol Dewey is an investment
advisor, representative of Perpetual
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Wealth Financial, a Florida
registered investment advisor firm.
