Information and Tools to Help You Build Your Financial Future

In the Know

“Sequence of returns risk” is the risk that poor investment returns early in retirement, combined with ongoing withdrawals, will significantly reduce a portfolio’s value and limit its opportunity to recover. This risk is most important during the first 5–10 years of retirement, when your account balance is typically at its highest and withdrawals are beginning. Many investors manage sequence of returns risk by maintaining a diversified mix of investments, keeping a portion of their savings in more stable assets, and adjusting withdrawals during market downturns when possible. A financial professional can help create specific strategies to help you manage this potential risk once you retire.

Inquiring Minds

Q: How often should I review my workplace retirement account?

A: During times of significant market volatility, it’s tempting to check your account balance often — even daily. However, because your retirement account is a long-term investment, checking it once or twice a year is enough for most people. Check your contribution rate, investment mix and whether you’re on track. It’s best to leave it alone, unless something significant changes with regards to your time horizon, appetite for risk and retirement goals.

To-Do List

It’s time for a gut check on your 2026 financial resolution to increase your current retirement plan contribution rate. Did you increase it like you promised yourself back on January 1? If not, now is the time! Make sure you’re contributing at least enough to receive the full employer match (if offered).

Financial Fitness

Your health plan deductible is the amount you have to spend (not counting your monthly premiums) before your health insurer helps cover health care services. Check your policy for this amount, which typically resets at the beginning of each new policy year. A higher deductible usually translates to a lower premium (and vice versa). Depending on your health care needs and risk tolerance, you might consider switching to a plan with a higher deductible and lower premium.

This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material. HUB Retirement and Private Wealth employees are affiliated with and offer Securities and Advisory services through various Broker Dealers and Registered Investment Advisers, some of whom may or may not be affiliated with HUB International. HUB International owns the following Registered Investment Advisers: HUB Investment Partners; Global Retirement Partners, LLC; and RPA Financial. Additional information for each individual HUB International Registered Investment Advisor may be found in the respective Form ADV available on the SEC’s IAPD website at https://adviserinfo.sec.gov. Insurance services are offered through HUB International.