In Episode 43 of Generational Gains, Greg and Carson break down one of the most overlooked parts of retirement planning:

Most advisors help you climb the mountain (accumulation)…

but almost nobody teaches you how to get back down safely (distribution).

That’s where the SAFE Method comes in — a strategy that uses a volatility buffer so you can keep income steady in retirement without being forced to sell assets when the market is down.

In this episode, we cover:

The 2 phases of retirement: Accumulation vs Distribution
Why market volatility is the real retirement killer
The truth behind the 4% rule (and why it’s not as “safe” as people think)
How newer research pushes that withdrawal rate closer to ~2.8–3%
Why sequence-of-returns risk matters more than average returns
How a SAFE account can let your growth assets recover during down years
Why whole life insurance can be used as a non-correlated, liquid, guaranteed buffer
A simple example of how the SAFE Method can improve outcomes with the same savings

The goal isn’t to “invest more.” It’s to allocate smarter — so your retirement income isn’t at the mercy of market timing.

If you want to see what this looks like with your numbers, we can run the math and show you how a SAFE plan could fit into your retirement picture.

Reach out to Carson to walk through it using your actual savings, timeline, and goals.

Watch the full video episode on Greg's YouTube Channel here: https://www.youtube.com/@gregherlean

Follow and connect with Greg on IG: https://www.instagram.com/gregherlean/

Check out Greg's website here: https://www.gregherlean.com/

Carson's IG: https://www.instagram.com/c.herlean/

Carson's TikTok: https://www.tiktok.com/@carsonherlean