Will Low Returns Ruin Your Retirement? (How to Interpret Goldman Sachs 3% Forecast) | Root Talks

What if the next 10 years bring just 3% returns from the S&P 500? In this episode, we turn that forecast into a real-world retirement plan —not panic. You’ll learn how to stress test your portfolio, build flexibility into your spending, and design a withdrawal strategy that can survive tough markets. Listen as James and Ari break down: Sequence-of-returns risk — why bad early years hurt more than bad averages. The modern 4% rule — how to use it as a guardrail, not a guarantee. Diversification that actually works — adding small caps, value, international, and bonds to reduce risk from overexposed tech-heavy portfolios. Tax-smart moves — Roth conversions, cash buffers, and dynamic withdrawal rules that adapt to changing markets. Whether you’re planning to retire early or just want peace of mind through an uncertain decade, this guide gives you a clear, flexible framework —so your lifestyle isn’t dictated by Wall Street’s forecasts. - Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial. Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!