Jack Peregrim, Founder of Fourth Quarter Advisors, Interviewed on the Influential Entrepreneurs Podcast Discussing 3 Retirement Strategies Nobody Talks About

Published on May 2, 2026

Jack Peregrim discusses the 3 retirement strategies nobody talks about

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-jack-peregrim-founder-of-fourth-quarter-advisors-discussing-3-retirement-strategies-nobody-talks-about/

As individuals approach retirement, the strategies that guided their financial decisions during their working years need to change radically. The transition from accumulating wealth to managing and decumulating that wealth can be fraught with challenges.

One of the most critical yet overlooked strategies in this transition is portfolio rebalancing. This essay explores the importance of rebalancing a portfolio for retirement success, drawing insights from industry experts and financial principles.

During one’s working years, the focus is primarily on accumulation. Individuals save and contribute to various retirement accounts such as 401(k)s, 403(b)s, and IRAs, often with the expectation that the stock market will grow and recover from any downturns as it always has. This approach works well when individuals have a steady income stream and a significant time horizon before retirement. However, as retirement approaches, the financial landscape changes dramatically.

A second change in focus should be on taxes. We assume that our taxes will be less in retirement than they are now. But, that is not always the case and many times we wend up paying higher rates on taxes when we are required to take required distributions from out deferred savings. (IRAs; 401Ks; 403(b)s; etc.).

And, then a third factor hits us that is new in retirement. We need to understand what our investments must do when we will be faced with drawdowns on those assets. That means we need to understand specifically the returns we need and they are different than they were in the past. 

In conclusion, rebalancing our portfolio and investment strategies is a critical strategy for achieving retirement success. By doing so, they can safeguard their financial future, ensuring that they not only survive but thrive in their retirement years. 

Jack shared: “It’s just that one day we don’t have to go to the office and our time is different and very little changes. But, the fact is that there are some huge changes that occur. Your retirement years are very different. and need different strategies, different approaches.”<

Video Link: https://www.youtube.com/embed/8WaPABVzMcU

About Jack Peregrim

Jack Peregrim is the founder and President of Fourth Quarter Advisors and he has a long career in business and strategy including his 30 years as the founder and owner of PARAGON Development which focused on providing strategic management services to many Fortune 50 global corporations. 

On his ‘retirement’ he personally recognized the complexity in Social Security options as well as Medicare. And, there is very little support and education available other than that offered by individuals and organization driven by revenue received for selling products and services. 

Jack and others are trained and committed with Certified Financial Fiduciary® designations. And, we are volunteer presenters for workshops sponsored by a number of non-profits which are non-profit 501(C)3 organizations and support programs in a wide range of retirement issues. 

Jack is a Certified Financial Fiduciary ™ in addition to his involvement in numerous professional and personal organizations.

Learn More: https://www.fourthquarteradvisors.com/ 

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