100% In Stocks? Why Paying Off Debt Might Be Your First Move

Brett Ashcroft Green9.29K FollowersFollow5ShareSavePlay(13min)Comments(2)SummaryBonds failed many retirees post-2022; duration risk proved real when rates surged.Buffett’s 90/10 model favors equities plus liquidity, not heavy bond exposure.A paid-off home can function like a “bond,” strengthening retirement cash flow stability.Cash reduces sequence risk and volatility stress when both stocks and bonds decline.Risk capacity, not just tolerance, should guide equity allocation in retirement. MoMo Productions/DigitalVision via Getty Images The Warren Buffett Way There's been a debate for a while now, post the recent rate-hiking cycle that started in 2022. The argument has been that when rates dropped, bonds provided no protection andThis article was written byBrett Ashcroft Green9.29K FollowersFollowBrett Ashcroft-Green, CFP® is a CERTIFIED FINANCIAL PLANNER™ , fee-only fiduciary, and the founder and owner of Ashcroft Green Advisors, a Nevada-based registered investment advisory firm.He has extensive experience working alongside high-net-worth and ultra-high-net-worth families, with a background in private credit and commercial real estate mezzanine financing as a business director at a large family office. His professional experience spans the U.S. and Asia, including several years living and working in China.Brett is fluent in Mandarin Chinese in both business and legal settings and previously served as a court interpreter. He has collaborated with leading commercial real estate developers including The Witkoff Group, Kushner Companies, The Durst Organization, and Fortress Investment Group.Analyst’s Disclosure: I/we have a beneficial long position in the shares of SPY, BRK.B either through stock ownership, options, or other derivatives. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article. Disclaimer: The information in this article is intended for general informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. The views expressed are solely those of the author, based on independent research, analysis, and professional experience. Although the author is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and owner of Ashcroft Green Advisors, a fee-only registered investment advisory firm, the content may not be suitable for your individual financial situation, objectives, or risk tolerance. Readers should consult with a qualified financial professional before making any decisions based on this material. The author and/or clients of Ashcroft Green Advisors may hold positions in securities discussed in this article.Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.