Episode 6 | THE BUFFERED ETF GUYS | Bear Markets vs Bull Markets: How Buffered ETFs Help Retirees Reduce Downside Risks, Prepare for Market Crashes, and Stay Invested Without Losing Peace of Mind

Markets goup. Markets go down. But retirement doesn’t pause just because of volatility.In Episode 6 of THE BUFFERED ETF GUYS, Mike Massey is joined by Dallanand Jack Nussbaum to unpack one of the most important questions retirees face: Howdo you prepare for BOTH bear markets and bull markets without losing peace ofmind?

Mostinvestors are told to “stay the course,” but the truth is, retirement isdifferent. When paychecks stop, drawdowns hurt more, downside risks mattermore, and timing becomes everything. That’s where Buffered ETFs enter theconversation. Think of them like a seatbelt—or as Mike puts it, “ETFs withairbags.” They may not prevent every bump, but they can help soften the impactof sudden downturns while still allowing investors to participate in marketgrowth.

In thisepisode, the team covers:

Theconversation highlights the reality that no investment is without risks, butretirees have tools to help reduce stress during uncertain times. Buffered ETFsaren’t a promise, but they can serve as one approach to balancing growthpotential and downside protection.

Bear marketswill happen. Bull markets will happen. The question is—are you ready for both?

Whetheryou’re nearing retirement or already in it, this discussion helps frame theimportance of building a strategy that doesn’t just chase returns but alsoconsiders peace of mind. If the thought of the next market crash keeps you upat night, this episode offers perspective, education, and insights worthconsidering.

Investingalways involves risks, including possible loss of capital. This podcast is foreducational purposes only and should not be taken as personal investmentadvice.

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DISCLAIMER: Do your own homework. Talk to your advisor. Talk tous. Here is a (non-exhaustive) list of some fund companies’ websites who may offerfunds in the buffered (floor, outcome, targeted) category: AllianzIM.comFTportfolios.com innovatoretfs.com Calamos.com PGIM.com Paceretfs.comTrue-shares.com Blackrock.com Invesco.com Simplify.us

If wementioned any companies today, please see that company’s website for detailsand disclosures related to their company and funds. Any mention of a specificcompany or fund should not be construed as a recommendation. These names areused for illustrative purposes only. Advisory services are offered through ATXFinancial Planning LLC, an SEC Registered Investment Adviser. Allcontent is for information purposes only and should not be relied upon for anyinvestment decisions. Read Full disclaimer at www.atxfinancialplanning.com/podsocialdisclosures