Making Retirement Make Sense

Rethinking Safe Withdrawal Rates

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Curious about safe withdrawal rates in retirement? In this episode, we delve into their evolution, misconceptions, and practical applications for a financially secure retirement.

  • (00:00) - Introduction and Overview
  • (01:11) - The 4% Rule and Its Origins
  • (06:58) - Customizing Retirement Plans
  • (10:16) - Budgeting Approaches for Retirement
  • (17:30) - Sequence of Returns Risk
  • (20:58) - Exploring the Guardrails Approach
  • (26:06) - Planning for Longevity and Withdrawal Rates
  • (30:52) - Dynamic Asset Allocation and Income Ladders
  • (38:42) - Case Study: Spending Strategies in Retirement

    • Links & resources from this episode:
    • Visit our website: https://makingretirementmakesense.com
    • William P. Bengen book: https://a.co/d/b1d78sr


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    Making Retirement Make SenseBy Dana Anspach CFP®, RMA®, CJ Miller CFP®, RMA®, CPWA®