Are the “gold standard” rules of retirement planning quietly failing today’s retirees? In this episode of The Florida Retirement Podcast, Murrell Winter revisits the 4% rule and the classic 60/40 portfolio to see how they hold up in a modern market. He breaks down why these once-reliable guidelines may not fit every situation, how market conditions and interest rates have shifted the landscape, and the risks of relying on one-size-fits-all strategies. The conversation also explores flexible withdrawal strategies, alternative approaches to diversification, and the importance of building an income plan that adapts over time.

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