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The Retirement Huddle

Financial and retirement planning guidance with Mark Howard of the Howard Financial Group in Savannah.

Mark has almost three decades of experience in the financial industry, has been published in the Wall Street Journal, Barron's, South Magazine and several other publications. He has also been featured on the Savannah Morning News.

In addition to clients in Savannah, Mark also serves Hilton Head, Bluffton, Statesboro, and the rest of the Low Country.

To get your own Financial Game Plan, contact Mark today at 888-511-PLAN (7526) or go to HowardFinancialGroup.com.

  1. All Episodes
  2. The 5 D’s of Retirement Planning

The 5 D’s of Retirement Planning

Apr 16, 2026

Retirement is a big journey, and navigating it successfully requires more than just a solid savings plan. Today, Mark reveals five game-changing principles that can make all the difference between a stressful retirement and a confident, fulfilling one. Mastering these “D’s” will empower you to handle whatever comes your way, without losing sleep over market swings or unexpected costs.

Here’s some of what we discuss in this episode:

💼 Diversification in Retirement: Spread risk across assets to protect against market shifts

⏳ Duration: The length of time you’ll need your portfolio to last plays a crucial role

🛡️ Downside Protection: Have strategies in place to protect from major market downturns

💸 Discretionary Income: Account for unexpected expenses that might affect your lifestyle

⚖️ Drag in Portfolios: Understand and minimize portfolio drag to improve returns

Want to get in touch with Mark? 

https://retirementhuddle.com/
mark@howardfinancialgroup.com
888-511-7526