---
title: July 12, 2026 - Renew Wealth Management
description: Renew Wealth Management is a Fiduciary Financial Advisor and Educator for Military Veterans, Federal Civil Servants and their Families, located in Washington D.
author: James Simon
---

# July 12, 2026

Your pension is already doing what bonds are supposed to do. So why are you doubling up? Most retirees with pensions are leaving serious growth on the table by over-allocating to bonds. Here's the smarter approach.