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      <image:title>Blog - Rich in Retirement: Avoid These Top 5 Mistakes! - 5) Acting on Emotion “Everyone has a plan: until they get punched in the face” – Mike Tyson. Most investors can handle an 18% drawdown in their aggressive portfolio strategy. However, when life throws in additional stress—like a disagreement with a spouse, job termination, or dealing with a general contractor on a new home build—emotions can start to cloud judgment. The ability to make rational decisions, even in tough times, is crucial to ensuring a rich retirement. For more insights on managing emotions and financial planning, check our experience and background that has lead to a steady hand.</image:title>
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      <image:title>Blog - Rich in Retirement: Avoid These Top 5 Mistakes! - 3) Paying Taxes Why is your joint account full of Certificates of Deposit and Target Date Funds? Fixed income is often taxed at your highest marginal bracket, which can erode your wealth. Meanwhile, Long-Term Capital Gains (LTCG) from index funds offer superior tax treatment and can be deferred until you need the income. To enjoy a rich retirement, it’s critical to optimize your asset location and minimize taxes. Roth IRA conversions, for example, can maximize tax-free inheritance for heirs, helping you pass on wealth—and maybe even fund that family vacation home. Dive deeper into tax-efficient investing strategies on our blog.</image:title>
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      <image:title>Blog - Rich in Retirement: Avoid These Top 5 Mistakes! - Conclusion: Achieving a Rich Retirement Make fewer mistakes, and you’ll make more money in retirement. CRBSS clients pay low fees and enjoy consistent execution, with capital management overseen by experienced professionals who regularly meet with clients to develop insights. This leads to more customized portfolios and greater confidence in your financial future. Thank you for reading! Be sure to share this with any investor who might be making these mistakes. Want to learn more? Contact us today for a free consultation or let us know if you think there are bigger mistakes that should have made the list.</image:title>
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