What if you stopped watching the stock price and started watching the paycheck?

SCHD — the Schwab U.S. Dividend Equity ETF — has delivered something investors looking for retirement income should pay attention to: rising dividends over time.

From 2015 to 2025, SCHD's annual dividend per share increased from roughly $0.38 to $1.05 — a significant increase in the income generated by the same shares.

And what's especially interesting is what happened during difficult markets.

In 2020, during the COVID crash, SCHD's dividend increased. In 2022, while inflation surged and markets struggled, its dividend increased again.

In this video, Jarrod Adams breaks down:

• SCHD's dividend growth from 2015–2025

• Why dividend growth can matter more than short-term price movements for retirement income

• What happened to the dividend during the 2020 market crash

• How rising dividends compared with inflation

• What a hypothetical $1 million investment could have produced in dividend income

• Why reinvesting dividends before retirement can potentially create a larger future income stream

The bigger lesson isn't necessarily "buy SCHD."

It's understanding the difference between watching the price and building an income-producing portfolio designed to support your retirement goals.

If you're interested in investing, retirement income, dividend growth, and building wealth with a long-term mindset, subscribe to Jarrod Adams Investing.

⚠️ IMPORTANT DISCLOSURE This is educational information only—NOT personalized financial advice. Past performance ≠ future results. Individual circumstances vary significantly. Before making financial decisions, consult a qualified advisor who can review your complete picture. Jarrod Adams Investing is a fee-only, fiduciary RIA registered in NC. Charles Schwab is our custodian. Questions: jarrod@adamsinvesting.comwww.adamsinvesting.com Jarrod Adams Investing LLC

How would you react if your investment portfolio lost half its value overnight? While a 50% market decline may sound extreme, history shows that significant market downturns are a normal part of long-term investing. The real difference between successful investors and everyone else often comes down to how they respond when volatility arrives.

In this video, we cover:

• Charlie Munger’s timeless lesson about investing psychology • Why 50% market declines are more common than most people realize

• Historical examples from companies like Berkshire Hathaway, Amazon, and Apple

• The biggest mistake investors make during market downturns

• How emotions can permanently damage long-term investment results

• Why understanding your true risk tolerance matters before the next correction

• The importance of maintaining liquidity and having a cash strategy

• How to distinguish temporary market fear from changes in a company’s fundamentals

• The hidden cost of avoiding volatility through overly conservative investments

• Why having a disciplined investment framework is essential for long-term success

This video explores the emotional side of investing and explains why preparing for volatility before it happens is one of the most important steps toward building long-term wealth.

If you'd like to evaluate whether your portfolio is positioned to withstand future market downturns, schedule a consultation to discuss your investment strategy and long-term financial goals.

⚠️ IMPORTANT INFORMATION This post contains educational information and historical examples. It is NOT personalized financial advice for your individual situation. Past results do not guarantee future results. Your actual costs, inflation, returns and circumstances will vary. Before making retirement planning decisions, I'd encourage you to talk with a qualified financial advisor who can look at your complete picture — your assets, goals, risk tolerance, health situation, family needs, everything.

www.adamsinvesting.com Jarrod Adams Investing LLC

Everyone wants to find the next Amazon, Apple, or Nvidia. But here's the reality: even professional fund managers struggle to consistently beat the market.

In this video, we break down why picking individual stocks is often the wrong strategy for most investors and why a diversified index fund may provide a better path to long-term wealth.

We'll cover:

• Why stock picking is harder than it looks

• The importance of diversification

• How emotions can hurt investment returns

• Why index investing has become the preferred strategy for many long-term investors

• When it might make sense to own individual stocks

• The goal isn’t to outperform everyone else—it’s to build wealth consistently over time.

Chapters 00:00 Why Stock Picking Is So Tempting

00:23 Reason #1: Nobody Can Predict the Future

00:49 Reason #2: Diversification Matters

01:24 Reason #3: Emotions Hurt Returns

01:47 Should You Ever Buy Individual Stocks?

02:02 The Better Long-Term Strategy

02:08 Final Thoughts

⚠️ IMPORTANT DISCLOSURE This is educational information only—NOT personalized financial advice. Past performance ≠ future results. Individual circumstances vary significantly. Before making financial decisions, consult a qualified advisor who can review your complete picture. Jarrod Adams Investing is a fee-only, fiduciary RIA registered in NC. Charles Schwab is our custodian.

At Jarrod Adams Investing, our core beliefs center on a long-term, goal-focused, and plan-driven approach to investment strategies. We emphasize financial education, helping clients understand that investing in a broadly diversified portfolio of quality equities is key to effective financial management.We believe that the economy and markets cannot be consistently forecast or timed, making a disciplined approach to long term investing crucial for wealth management.

Ever wonder why losing $1,000 feels worse than gaining $1,000?

This video dives into behavioral economics and the concept of loss aversion, a key cognitive bias that shapes our decision making.

We'll explore how this psychological phenomenon impacts investing psychology, often leading to irrational choices driven by the emotions of investing.

Most people think investing is all about spreadsheets, trends, and timing the market. But the real risk? It's not the market. It's human behavior.

In this video, we dive into:

✅ Why emotions ruin smart strategies

✅ How fear affects your financial decisions

✅ The step-by-step process we use to build lasting wealth

✅ The #1 mistake most investors make near retirement

✅ How to turn uncertainty into a long-term plan

Whether you're a professional in your prime or preparing for retirement, this video will give you clarity—and control.

🔔 Subscribe for more insights on wealth building, retirement strategies, and making smarter financial decisions.