The Greatest Risk to Your Retirement Isn’t Market Volatility


The Lone Star Perspective

by Matt Magee at mForce Capital

Starting the year with a positive story.

If you are anything like me, you see business headlines all day, and they never strike a chord. Similar to OpenAI raising another mega round from investors, or Vista Bank being sold for around $370 million. It's often like Wow, those numbers are huge and life-changing for a few people.

But the story of Fibrebond provides a different blueprint. The founder shared 17% of the sale proceeds with the staff, resulting in a life-changing $443k average payout per employee.

This wasn't just a transaction; it was a wealth-transfer event for an entire community. In a market often dominated by short-term thinking, this is a powerful example of long-term stewardship. It’s the kind of story that proves "doing well" and "doing right" aren't mutually exclusive.

Being a Lifelong Learner

In my years of serving clients, I’ve noticed a clear divide in retirement outcomes. It has nothing to do with the size of the portfolio and everything to do with the breadth of identity.

The happiest retirees I see are those who view retirement as a pivot, not a finish line. They remain active, curious, and most importantly, useful. They understand that while they may be retiring from a career, they aren't retiring from life.

The Reality Check: If your work is your entire identity, retirement isn't a vacation; it's an identity crisis. If you know someone nearing "the jump" who hasn't built a life outside the office, challenge them to start now. A portfolio can fund a lifestyle, but it cannot provide a purpose.

2025 Top Performers

I always enjoy charts like these, because I know 2026 will likely be wildly different. This is your annual reminder to start the year; diversification and portfolio construction matter. It's also next to impossible to predict the Silver and Gold (top performers) in any given year. This is not investment advice but rather a look back at what crushed it in 2025.

Meb is a legend in my line of work. This post was too good not to show here. This is not to bash on alternative or private investments. Rather, to caution those reading this, the manager you select and the investments they choose are crucial to long-term compounding.

As financial advisors, we discuss compounding often. This chart does a better job than anything I could ever say.

What I've Enjoyed Recently

Paying tribute to the last decade of Stranger Things. No spoilers here, but rather just an acknowledgement that they wrapped up the show in excellent fashion. Not an easy task, and most series fail at it.

Remember to Enjoy the Journey: You might want a tissue handy.

Jack Carr: The Devil's Hand

See Ya Soon

-Matt Magee

Copyright (C) 2025 mFORCE Capital All rights reserved.


Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc,

Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., a SEC Registered Investment Advisor. mFORCE Capital is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

mForce Capital - 1415 Ballinger St Fort Worth, TX 76102
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