For decades, the traditional 60/40 portfolio—60% stocks and 40% bonds—has been one of investing's most familiar strategies. But does that formula still make sense when you're approaching retirement and your priorities shift from simply accumulating wealth to generating income and protecting what you've built?

On this episode of The Retirement Income for Life Show, Doug Vincent takes a fresh look at the 60/40 portfolio and explains why diversification still matters, but the percentages themselves may be less important than the job each investment is supposed to do. He explores the risks retirees can encounter with bonds, including interest-rate, inflation and credit risk, and explains why “bonds” and “safe” aren't necessarily interchangeable.

Doug also examines how fixed indexed annuities may fit into a modern retirement income strategy, including their potential for principal protection and guaranteed lifetime income—and the tradeoffs involving liquidity and growth potential. The goal isn't to find one perfect investment, but to build a diversified strategy around your income needs, timeline, risk tolerance and retirement goals.

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Retirement Income for Life with Doug Vincent is built for individuals and families who want a retirement they can count on — not one based on hope or guesswork.

Each episode helps you retire with confidence, create lasting income stability, and make smarter, more informed financial decisions. Doug Vincent shares practical strategies designed to help you avoid dependence on market swings while building reliable income and generational wealth.