In this episode of Ramping Up Withdrawals, Jake Carson and Lily Morgan explore a flexible approach to retirement withdrawals that could help manage sequence of return risk (SORR). Inspired by a listener’s question, we discuss the idea of starting with lower withdrawals in the early years of retirement and gradually increasing spending over time as market conditions stabilize. We’ll look into available tools like ficalc and other calculators that allow you to model varying withdrawal rates, and share insights from literature and real-world stories of those who’ve successfully implemented this strategy. If you’re curious about more dynamic approaches to managing your retirement portfolio, join us to learn about balancing caution with financial freedom!