All Articles
Market Trends
Turning Market Volatility Into Retirement Opportunity
By Gerard Ladalardo·Jul 9, 2026· 6 min read
Stock market turmoil rattles even seasoned investors. For retirees or those approaching retirement, the stakes are higher. But what if volatility were also an opportunity?
Three Moves to Consider in a Down Market
1) Roth conversions — convert depressed assets at a lower tax cost so all future growth is tax-free. 2) Tax-loss harvesting in taxable accounts. 3) Rebalance toward your buffer to make sure you're not selling equities at a loss for income.
The One Thing Not to Do
Don't panic-sell. The worst retirement outcomes we see are people who locked in losses and never re-entered the market. A written income plan is the antidote to emotional decisions.
Talk to Gerard
Want this applied to your own retirement plan?
Book a complimentary 30-minute review. No pressure, no sales pitch — just a real conversation.
Schedule a Review