The holidays often bring more than celebration. Shorter days, disrupted routines, family obligations, and year-end financial noise can quietly drain energy and cloud judgment. Many people don’t realize how much stress and poor sleep influence their decision-making, especially when it comes to retirement.

In this episode, Certified Retirement Counselor Mark Struthers explores how protecting basic health habits during the busiest time of the year can support clearer thinking and better financial outcomes. Rather than chasing perfection, Mark focuses on simple ways to reduce reactivity and preserve judgment when it matters most.

Listen in to hear how prioritizing sleep, pausing emotional financial moves, and reflecting on what actually worked this year can help you move through the holidays with more clarity and set the stage for a healthier, wiser start to the year ahead.

Curious about working with Mark? Go to:

• https://www.videoask.com/fd9svtp2l
• www.SonaWealthAdvisors.com
• Subscribe to our Healthy & Wealthy newsletter: Subscribe here
• ‎Sleep Sounds by Sleep Pillow App
• BetterSleep
• myNoise
• Apple Background Sounds
• Apple Fitness+
• Strava
• Peloton
• Nike Training Club App
• Calm
• Headspace
• InsightTimer
• Waking Up
• MyFitnessPal
• Lose It!
• Cronometer

Disclosure:

Investment advisory services are offered through Sona Financial LLC (DBA Sona Wealth Advisors, Sona Wealth, Sona Wealth Management), an investment adviser registered in the state of MN. Sona Financial only offers investment advisory services where it is appropriately registered or exempt from registration and only after clients have entered into an investment advisory agreement confirming the terms of engagement and have been provided a copy of the firm’s ADV Part 2A brochure and document.

This video or article is for educational purposes only and is not exhaustive. Nothing discussed during this show/episode should be viewed as investment advice. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but is intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax, or financial advice. Please consult a legal, tax, or financial professional for information specific to your individual situation.

This content has not been reviewed by FINRA.

Many people quietly wonder if they’re doing retirement “right,” especially around the holidays. So in this episode, Certified Retirement Counselor Mark Struthers puts a seasonal spin on some of the most common retirement behaviors he sees every day. Using a “naughty or nice” framework, Mark explains why certain choices—like holding too much cash, blindly following rules of thumb, or chasing the latest hot investment—can quietly undermine long-term outcomes.

Listen in to hear how small shifts toward intentional decision-making can reduce anxiety, improve predictability, and help you move more of your retirement choices onto the "nice" list. You'll learn the strategies that often allow retirees to spend more, as well as habits that support more confident, flexible, and enjoyable retirements.

Curious about working with Mark? Go to:

• https://www.videoask.com/fd9svtp2l
• www.SonaWealthAdvisors.com
• Subscribe to our Healthy & Wealthy newsletter: Subscribe here
• Ep. 47: Don’t Let FOMO Destroy Your Nest Egg: NVIDIA, Concentration Risk, and Retirement
• Ep 43: Medicare Changes 2025: What Retirees Need to Know About the One Big Beautiful Bill
• Ep. 42: Rethink Retirement: How Green Light Spending Beats the 4% Rule

Disclosure:

Investment advisory services are offered through Sona Financial LLC (DBA Sona Wealth Advisors, Sona Wealth, Sona Wealth Management), an investment adviser registered in the state of MN. Sona Financial only offers investment advisory services where it is appropriately registered or exempt from registration and only after clients have entered into an investment advisory agreement confirming the terms of engagement and have been provided a copy of the firm’s ADV Part 2A brochure and document.

This video or article is for educational purposes only and is not exhaustive. Nothing discussed during this show/episode should be viewed as investment advice. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but is intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax, or financial advice. Please consult a legal, tax, or financial professional for information specific to your individual situation.

This content has not been reviewed by FINRA.

Strong earnings from Nvidia have dominated headlines, and with it comes a familiar emotional tug for many investors: FOMO (the fear of missing out). For retirees and near-retirees, moments like these can create unnecessary stress and confusion about whether to chase big winners or stay the course with a long-term plan.

In this episode, Certified Retirement Counselor Mark Struthers breaks down Nvidia’s latest earnings report, the concentration risk highlighted in Charlie Wells’ Bloomberg article, and why emotional reactions like FOMO are normal but often unhelpful when you’re building or protecting your retirement portfolio. Mark shares practical ways to evaluate single-stock exposure, understand your time horizon, and align your investments with your real-life needs.

Listen in to learn how to navigate market excitement with clarity, reduce the pressure to “keep up,” and build a portfolio that supports your retirement without relying on perfect timing or chasing the hottest stock of the moment.

Curious about working with Mark? Go to:

• https://www.videoask.com/fd9svtp2l
• www.SonaWealthAdvisors.com
• Subscribe to our Healthy & Wealthy newsletter: Subscribe here

Disclosure:

Investment advisory services are offered through Sona Financial LLC (DBA Sona Wealth Advisors, Sona Wealth, Sona Wealth Management), an investment adviser registered in the state of MN. Sona Financial only offers investment advisory services where it is appropriately registered or exempt from registration and only after clients have entered into an investment advisory agreement confirming the terms of engagement and have been provided a copy of the firm’s ADV Part 2A brochure and document.

This video or article is for educational purposes only and is not exhaustive. Nothing discussed during this show/episode should be viewed as investment advice. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but is intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax, or financial advice. Please consult a legal, tax, or financial professional for information specific to your individual situation.

This content has not been reviewed by FINRA.