Mitch Lyons Wealth

📉 Think bonds are the SAFE part of your retirement portfolio? 2022 proved otherwise. As interest rates climbed, BOTH stocks and bonds lost value. When you're nearing retirement, protecting your savings matters just as much as growing them. 🏈 WIN retirement

That $1M in your 401(k) isn’t all yours. Uncle Sam has been your silent partner from day one—and you won’t know his share until you withdraw it. If tax rates rise, what’s your plan? Retirement planning is about what you keep, not just what you save.

Jahmyr Gibbs is the best running back in the NFL. 99 yards rushing, 65 receiving. I said what I said. New Lyons on Lions is out — Week 3 recap, defense concerns, and a lookahead to Sunday night in Carolina. Full episode link below 👇 🦁 #OnePride #LyonsOnLions #JahmyrGibbs #NFL

Uncertainty makes markets jittery—and retirees need to be prepared. The key question isn’t just how much risk you’re comfortable with. It’s how much risk you can actually afford to take. Build a retirement plan for multiple market paths—not just one.

Retirement is no time to be speeding. 🚗 As you get closer to retirement, taking the same level of investment risk you did 15–20 years ago may no longer make sense. You’re approaching the driveway. It may be time to take your foot off the gas.

When the Fed talks inflation, markets listen. Higher rates can create uncertainty—and uncertainty can bring volatility. Your retirement plan shouldn’t rely on calm markets. It should be built to handle changing rates, market swings, and the unexpected.

In the NFL, when things got dicey, we didn’t add complexity—we simplified. Retirement can work the same way: income, protection, growth, and regular reviews. Keep it simple. Do the important things well. Adjust when needed.

Retirement isn’t just about what you’ve saved—it’s about the income you’ll need each month. Build your “paycheck” for essentials and your “playcheck” for the life you want. Not sure your plan can support both? Let’s take a look.

Do you know your net worth? If you don’t know where you stand financially, it’s hard to know where you’re going. As retirement gets closer, understanding your assets, debts and savings can help you build a clearer plan for the future. #RetirementPlanning

They tried to bite kneecaps. They just didn't have the teeth yesterday. 🦁 This team has no quit. New Lyons Share episode is live now — full Week 2 recap. 📺 Watch on The Lyons Share YouTube #OnePride #DetroitLions #Lions #NFLWeek2 #DanCampbell

A strong retirement plan isn’t built around everything going right. It’s built to handle market drops, rising healthcare costs, and a longer-than-expected retirement—so one bad stretch doesn’t derail the whole plan.

Your retirement plan should fit YOU—not your neighbor or coworker. Start with where you are, run the numbers, and find the right tools and adjustments to help improve your situation and get you where you want to go.

Taking care of your health is just as important as taking care of your retirement portfolio. HSAs, insurance, and Medicare decisions can all play a role in preparing for future healthcare costs. A strong retirement plan should account for both your wealth and your health.

Helping your kids financially can be a great thing—but not if it puts your retirement at risk. They can get a loan for a house. You can’t get a loan for retirement. Have the hard conversations, set expectations, and protect your own financial future first.

Retirement isn’t about hitting one magic number. The better question is: How much monthly income can your savings generate? Social Security may help, but a strong retirement plan should create the income you need to support the life you want.

Retirement isn’t just about having enough money—it’s about having purpose. Golf, fishing, volunteering, family…find something that gives you a reason to get up excited each day. Don’t just retire FROM something. Retire TO something.

Don’t let FOMO derail your retirement. 🎯 Chasing the next hot stock may be exciting, but protecting what you’ve worked decades to build matters more. Take the right amount of risk for YOUR situation—not because everyone else is doing it. #RetirementPlanning #Investing

You may have a silent partner in your 401(k): Uncle Sam. The problem? You don’t know what percentage that partner will own in retirement. A Roth conversion may give you more control over future taxes. It’s not just what you save. It’s what you keep.