RISKS that threaten & destroy WEALTH (and HOW to avoid them)

On this episode of Through The Pines we’ll cover risks that threaten wealth building including…

Inflation
Stock Market Fluctuation Risk
Sequence of Returns Risk
Distribution Rate Risk
Interest Rate Risk
Credit Risk
Concentration Risk
Liability Risk

let’s dive in!

Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while playing pickleball by himself, this is Through the Pines.

Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com

2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah -
Advisor Hub Fastest Growing Advisors to Watch under 1 Billion -
Receivers of the Ameriprise Client Experience Award -
 
Financial Advisors: Baxter, Smith & Associates
Contact: [email protected]
Website: https://www.ameripriseadvisors.com/te...

Congratulations, you’ve built up a good-sized nest egg of wealth! Now, what are the risks
you need to watch out for.

Obviously, there are a variety of ways people lose money. Vices, scams, etc. However,
today we will be discussing the major risks to a financial plan that we can plan for.

Inflation Risk-
◼ More inflation than expected
◼ Not calculating properly for inflation (often annuities)

Stock Market Fluctuation Risk-
◼ Entire market moving downward in a multi-year recession

Sequence of Returns Risk-
Distribution Rate Risk-
Interest Rate Risk-

◼ Rates going up and losing value of bonds
◼ Rates going down and losing future CD interest

Credit Risk

Concentration Risk
◼ Individual Stock
◼ Too much in one sector
◼ Too much in one real estate project

Liability Risk
◼ Car Accidents
◼ Injury on property
◼ Business liability
◼ Premature death/ injury
◼ Health Related Expense

How do you hedge against the major destroyers or wealth?
◼ Proper diversification
o Cash flow management/planning
◼ Proper insurances in place

 
This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah.

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Through the Pines - Reminding you to use Yesterday’s Dollars to Finance Tomorrow’s Dreams.
 
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This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much.
 
Through the Pines Podcast Copyright, The Banyan Collective - 2025

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