Most people think asset allocation is just about age or risk tolerance—but the real impact comes from where each type of investment lives. In this episode, Ari Taublieb, CFP®, breaks down a common but costly mistake: having the wrong mix of stocks and bonds across different types of accounts.
Using a real-life case study of a couple with $2 million across a 401(k), Roth IRA, and inherited IRA, Ari shows how rethinking account-level allocation can increase income flexibility, reduce unnecessary risk, and create a more resilient retirement plan. He introduces the concept of “Root Reserves,” a framework for determining how much should be held in safe, liquid assets based on your spending needs, not just market assumptions.
This isn’t about chasing returns, it’s about structuring your portfolio in a way that supports the life you want to live, no matter what the market does.
Interested in a custom strategy to retire early?
→ https://vwo3759x8i7.typeform.com/earlyretirement
Get access to the same software I use in my videos and join the Early Retirement Academy here → https://ari-taublieb.mykajabi.com/early-retirement-academy
Join the community here → https://ari-taublieb.mykajabi.com/the-root-collective
––––––––––––––––––––––––––––––
Time Stamp
00:00 - A Client Story of Allocations
02:22 - Introduction
04:02 - Real Life Example
08:40 - Portfolio Design
11:58 - Playing With The Numbers
13:57 - Retirement Analysis
16:00 - 401k Story
18:54 - Final Thoughts
––––––––––––––––––––––––––––––
PODCAST - https://earlyretirementpodcast.com/
INSTAGRAM - https://www.instagram.com/earlyretirementari/
LINKEDIN - https://www.linkedin.com/in/aritaublieb/
What video topic would you like to see discussed in a future video?
Ari Taublieb, CFP®, MBA, is the Vice President of Root Financial Partners (Fiduciary) and host of the Early Retirement Podcast.
––––––––––––––––––––––––––––––
📣 Are you taking advantage of tax planning before 2026? Most people hoping to retire early know they're leaving money on the table but don't know how to fix it.
👉 Subscribe to our channel and press the bell icon.
–––––––––––––––––––––––––––––
⚠️ DISCLOSURE⚠️
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. We do not provide tax preparation or legal services. Always consult with your CPA or attorney regarding your specific situation.
Viewing this video does not create an advisory relationship with Root Financial. We only provide advisory services to clients under a written agreement.
Investment strategies discussed may not be suitable for everyone. All investments involve risk, and past performance is not indicative of future results.
Any opinions expressed are as of the date of recording and are subject to change.
Comments left on this video reflect the views and opinions of the individual commenters and do not necessarily represent the views of Root Financial Partners, LLC. Comments should not be considered a testimonial or endorsement of our services and have not been solicited or compensated. Root does not verify the accuracy of comments and is not responsible for their content.