C2 Private Wealth

Advisors are changing their advice because the market changed. What if a retirement plan wasn’t built that way?

A recent report from the Alliance for Lifetime Income found that 2 out of 3 financial advisors are changing their retirement investment advice because of market volatility and economic uncertainty. Retirees are being told to withdraw less and work longer because of concerns around sequence of returns risk.

At C2 Private Wealth, our retirement planning process is built with changing market conditions in mind. While individual plans may evolve over time based on personal circumstances, tax changes, or income needs, the underlying planning principles we use have remained consistent for clients who began working with us in 2009, 2019, and today. From the beginning, we have emphasized planning strategies intended to help address sequence of returns risk.

Market downturns can be especially challenging in the early years of retirement when portfolio withdrawals coincide with negative returns. Recognizing this risk, we’ve long focused on building plans that consider how market downturns can impact early retirement years.

Because of that approach, we don’t view market volatility as a reason to automatically change a retirement plan. Market uncertainty was considered when the plan was built, which aligns us with the one third of advisors who have not made material changes to their guidance.

Preparation matters more than reaction, especially in retirement planning.

This information is provided for educational purposes only and is not intended as individualized tax, legal, or investment advice. No strategy can eliminate risk or guarantee results. Past planning approaches or market environments should not be viewed as indicative of future outcomes. All investing involves risk, including the risk of loss of principal. No assurance can be made that any service or strategy described will achieve its intended objectives. Advisory services offered by C2 Private Wealth, an SEC-registered investment adviser. Registration does not imply a certain level of skill or training.

Here’s who we are at C2 Private Wealth.

C2 Private Wealth was founded by Kirk and Jessica Cassidy with a clear belief: retirement planning works best when everything is coordinated and decisions are made with context.

From the start, our focus has been on family-office style retirement planning. That means helping individuals and families bring investments, taxes, estate planning, income planning, and long-term decisions together under one plan, rather than managing them in pieces.

Our team works collaboratively behind the scenes so clients are not left navigating complexity on their own. Advisors, planners, CPAs, and estate professionals move together, all aligned to the same plan and the same goals.

We also support the next generation when the time comes, helping heirs navigate transitions with clarity and care.

We remain a family-owned firm. We believe trust is built through preparation, consistency, and accountability. And we believe the work matters because the people we serve matter.

Merry Christmas from the team at C2!

Wishing good tidings and great joy to all who celebrate.

Our offices will reopen tomorrow, Friday, December 26, at 9:00 a.m. We will also be closed on December 31 and January 1.