Short Form Why Your Financial Plan Needs to Survive a 30 Percent Market Drop

LEGACY INVESTMENT SERVICES

YouTube Short Script  |  June 2025  |  Week 2 - Short 9

TITLE: Why Your Financial Plan Needs to Survive a 30 Percent Market Drop

ADVISOR: Jordan Cassiani

RUNTIME: 55-65 seconds

FORMAT: Vertical 9:16, tight on-camera, no cuts

CTA: Link in bio for complimentary retirement income analysis

Securities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Legacy Investment Services and Osaic Wealth are separate entities. Content is for educational purposes only. Not investment, tax, or legal advice. All scenarios are hypothetical illustrations.

SCRIPT

Here is the retirement stress test most plans never run: what happens to your income if your portfolio drops 30 percent in year two of retirement and stays down for 18 months?

It is not a hypothetical. The S&P 500 dropped 38 percent in 2008. It dropped 34 percent in early 2020. A 30 percent decline is not a tail risk. It is a recurring reality that has happened multiple times in the last 25 years.

If you are drawing $5,000 a month from a portfolio that just dropped 30 percent, you are selling more shares to generate the same dollar amount. You are locking in losses permanently. And if you panic and move to cash, you miss the recovery and the damage becomes irreversible.

A plan that survives this scenario has two things. A cash or stable income buffer covering two to three years of expenses that does not depend on the market at all. And a pre-defined rule for what you do when the portfolio drops below a certain level. Not a reaction. A rule you set in advance.

The goal is to make sure your income is not interrupted by market volatility, even when the volatility is severe.

Link in my bio to stress-test your plan.

PRODUCTION NOTES

Urgent, concrete, grounded in real history. The specific percentages and years make this credible and not abstract.

Legacy Investment Services  |  Jordan Cassiani  |  Legacy - Plan Must Survive 30 Percent Market Drop - Short - Week 2