You've hit financial independence—now what? How do you actually start spending the money you've spent years accumulating? Bill Yount reached FI at 60 after a 10-year journey, and he's figured out the answer.
Bill shares his complete decumulation strategy—the detailed plan he built with a flat-fee financial advisor to transition from wealth building to wealth preservation. This isn't just theory; Bill is actively living this plan and stress-testing it in real time.
Bill achieving financial independence at age 60
The psychological shift from saving to spending after a decade of accumulation
How to build a comprehensive drawdown plan (and why Bill hired help)
Working with a flat-fee financial advisor vs. AUM advisors
Portfolio rebalancing when transitioning to retirement
Risk parity strategy and how it fits into retirement portfolios
Stress-testing your financial plan: running scenarios to ensure you won't run out
Social security timing decisions and optimization
Retirement withdrawal strategies: the 4% rule and alternatives
How much to actually spend in early retirement
Helping your kids build wealth without jeopardizing your own retirement
Financial independence for late starters: proof it's not too late after 50
Managing the emotional transition from accumulation to distribution phase
Investment strategy changes in decumulationIf you're approaching FI, already there and uncertain about spending, or starting your FIRE journey later in life, Bill's practical, well-planned approach shows you exactly how to transition from building wealth to confidently living off it.
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