In this episode Tom explains what "sequence of returns" means and why it can make or break you in retirement as well as how to plan for it.

How to Combat Low Interest Rates

Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.