From Concentration to Confidence: Three Lessons for Protecting Your Retirement

September 11, 2025

Here’s what we discuss in this episode:

📊 Diversify to avoid concentration risk

✅ Know when you’ve “made it”

🔄 Planning is an ongoing process

🏥 Life changes demand financial adjustments

🛡️ Protect your retirement from unnecessary risk

You’ve worked hard, saved diligently, and maybe built up more in company stock than you should. What happens if the stock you’ve relied on takes a dive right before you retire? In this episode, Rob shares the real-life story of a client who faced that exact challenge, and how three lessons turned a potential financial disaster into early retirement with peace of mind.


The conversation highlights why diversification matters, how to recognize when you’ve “made it,” and why planning isn’t a one-time event but an ongoing process. Rob breaks down the risks of over-concentration, the importance of meeting regularly with a financial professional, and how small but intentional decisions can transform your financial future. Don’t gamble with your future once you’ve already won the game, learn the steps to protect your retirement with confidence.


0:00 – Intro

0:56 – A client’s story: from risk to freedom

3:01 – Lesson one: concentration risk

4:17 – Lesson two: knowing when you’ve “made it”

8:07 – Lesson three: ongoing planning, not one-time

10:06 – Summary & Final Thoughts

Helpful Resources:


Phone: 801-717-9237

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Check us out on YouTube: https://www.youtube.com/channel/UCtidWpldZGUBLmr24oWy87Q


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