About Drew Pelton, ChFC
Drew has spent more than 40 years helping people with financial planning, offering retirement advice, protecting assets, and building long-term financial security. His extensive experience spans retirement, investment, tax, and estate planning. As the founder of Drew Pelton Retirement Solutions, he is dedicated to help preserve wealth, and potentially reduce risk and taxes for his clients. He collaborates closely with CPAs, attorneys, and other financial professionals to provide comprehensive planning services. His clear, easy-to-understand solutions are tailored to each client’s unique financial needs. While based in Baton Rouge and serving Louisiana, Drew is available to work with clients in states where he is properly registered and shares insights in his financial podcast, 'Your Money Your Retirement.'
“Your Money, Your Retirement, Your Life” Podcast
Our financial podcast is designed to educate retirees, pre-retirees, individual investors, and business owners about financial planning and retirement advice. The show aims to empower you to make informed financial decisions tailored to your needs, promoting financial security and independence through the principles of Your Money Your Retirement.
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Host Drew Pelton welcomes Eric Lutton, Chief Investment Officer for their fiduciary RIA, and covers Lutton’s background trading options at the Chicago Board Options Exchange, managing fixed income at Conseco, working in equities and global markets, serving ultra-high-net-worth clients, and leading investment strategy at Sound Income Strategies before joining Proverbic Capital. They discuss why larger firms can become “cookie cutter” due to compliance guardrails, the importance of holistic retirement planning (income, taxes, estate, Social Security, allocation), and the risks of poorly placed annuities and underperforming mutual funds.
Host Drew Pelton welcomes advisor Misty Babin to discuss what works and doesn’t in retirement investing, focusing on fees, service quality, and getting the right net return after fees. They argue retirees should not be swayed by “low fee” marketing from large firms and share experiences with big companies like Vanguard and Voya, describing poor client access, long hold times, transfers between representatives, automated systems, and limited service unless assets are very large. They emphasize the value of relationships, customization, and independent advisory work that includes retirement, investment, income, estate, and tax planning. Misty explains the necessary shift from accumulation strategies while working to distribution strategies in retirement. Drew cites market history, warns against buy-and-hold risk for retirees, stresses balancing offense and defense, and urges annuity reviews because not all annuities are the same.
Host Drew Pelton and fiduciary advisor Lance McCartney discuss how to choose the right retirement advisor, warning that many “advisors” act as salesmen with limited, cookie-cutter solutions rather than true fiduciary planning. They emphasize the need to shift from accumulation to distribution strategies, focusing on total return (TR = income + growth) so retirees can “get income from income” and avoid invading principal during market declines. The episode highlights required minimum distribution (RMD) considerations, the importance of balanced portfolios with defensive positioning and higher yields (often cited as 5–7%), and the risks of relying on market-driven gains in a long bull market. They stress thorough fact-finding, customized planning (financial, retirement, investment, tax, estate, allocation, income, and strategic planning), a broad universe of investment choices, and ongoing professional money management.
In this episode of Your Money, Your Retirement, Your Life, Drew Pelton explains why diversification is about much more than simply owning several stocks, mutual funds, or ETFs. A portfolio can hold hundreds of investments and still be heavily concentrated in one sector, potentially exposing your retirement savings to risks you may not even realize you’re taking.
Drew breaks down the difference between “good risk” and “bad risk” and explains why investors should be especially careful about becoming overly dependent on one company, sector, or market trend.
He also discusses why trying to time the market can be so difficult, how fear of missing out can push investors toward unnecessary risk, and why looking beneath the surface of your mutual funds and ETFs is an important part of understanding how diversified you really are.
Drew Pelton explains the first of three retirement “secrets”: managing risk during the transition years, roughly the decade before retirement. He warns that retirement isn’t a light switch where you stay aggressive until a set age and then suddenly become conservative; instead, it’s a gradual “yellow light” shift, like protecting the ball in football’s red zone. Pelton notes that as people move from contributing to withdrawing, they need more predictable income and less reliance on market-dependent capital appreciation, emphasizing his equation G = I + CA and why mutual funds are often geared toward growth rather than income.
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All content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Nor is it intended to be a projection of current or future performance or indication or future results.
Opinions expressed herein are solely those of Drew Pelton Retirement Solutions and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by Proverbi Capital Advisors, LLC, an Investment Advisor in the States of Louisiana and Florida. Being registered as an investment adviser does not imply a certain level of skill or training.
The information contained herein should in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the States of Louisiana and Florida or where otherwise legally permitted.
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Purchases are subject to suitability. This requires a review of an investor’s objective, risk tolerance, and time horizons. Investing always involves risk and possible loss of capital.
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