The old “4 percent rule” doesn’t work for everyone. Colin Richards and Dylan Schoonover reveal modern withdrawal strategies that keep income steady even when markets drop.

Your nest egg is only step one — the real challenge is turning it into steady, tax-smart income that lasts a lifetime. In this episode of The Lord and Richards Show, Colin Richards and Dylan Schoonover explain how to move from accumulation to distribution, organize scattered accounts, and create guaranteed income that brings freedom instead of fear.

We cover:

• Why the old “4% rule” no longer works — and what does

• How to build guaranteed and abundant income streams

• Consolidating old 401(k)s and fixing “junk drawer” portfolios

• The five pillars of planning: income, risk, taxes, estate, health

• How to align spending comfort and risk between spouses

• The Lord and Richards Retirement Freedom Review — what to expect

🎧 Tune in to learn how to enjoy what you’ve built, protect what matters, and make your money last through every market.

Learn more: https://lordandrichards.com/

Call for your complimentary Retirement Freedom Review: 720-372-0400

Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.