🏈 Don’t fumble your retirement - get your financial game plan at http://bookachatwithjohn.net 

Retirement planning isn’t about flashy plays- it’s about fundamentals.  In this episode, John breaks down the “3 Factor Model,” an investment strategy backed by decades of academic research. He explains how focusing on market exposure, small-cap stocks, and value companies can give investors a subtle but powerful performance edge over time.

Using football as a framework, John compares successful investing to building a winning team: it's about preparation, sticking to the game plan, and finding hidden advantages. You'll also hear why true diversification goes beyond owning a few mutual funds, and how index investing (“owning the whole haystack”) helps reduce risk while increasing consistency. Above all, John drives home that patience, discipline, and smart execution- quarter after quarter- are what win championships in both football and finance.

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

💡 What is the 3 Factor Model?

🏈 Why “just getting in the game” beats sitting on the sidelines in investing

📉 How small companies and value stocks can quietly outperform the big names

🔁 Why proper diversification isn’t just holding multiple mutual funds

⏳ How many years it takes to detect a trend

Get in touch:

Phone: 661-775-3704

Book an appointment with us: http://bookachatwithjohn.net  

Get in touch with us: https://mearsmoney.com/  

Watch the Podcast on YouTube: https://bit.ly/3PmcOPM

Check out John’s FREE Books: https://je9gekmc.pages.infusionsoft.net/