Have you heard of the 4% rule?! It's the most recognized benchmark for safe withdrawal rates in retirement. However, it lacks flexibility and often leaves retirees "under-spending," particularly in their prime retirement years.

Think Advisor put out this article (link below) that touched on three alternatives to the 4% rule and how they can potentially increase your spending capacity over time, while also protecting downside risk (outliving your assets).

I hope you enjoy this episode!

If you are interested in learning what it would be like to work with me, fill out my complimentary "Retirement Readiness Survey." We'll ask you to answer a few basic questions to determine the key areas of opportunity for you.

Make sure to check "Podcast" at the end when we ask how you heard of us!

Here are some other links I referenced in the show:

Think Advisor article - Pros and cons of 3 retirement spending plans

Bill Bengen's SAFEMAX, 4% Rule Study

Guyton and Klinger Decision Rules

Ep. 14 - "Retirees, Stop Underspending in your Go-Go Years"

My blog article on using Guardrails to boost retirement spending!

IRS Life Expectancy Tables

Make sure to share this with a friend or family member who needs to learn about how retirement works! I appreciate all of you!

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