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July 09, 2025

Why the 4% Rule Could Fail You in Retirement (Ep. 50)

21 minutes

Greg is back to dismantle one of the most widely accepted yet dangerously outdated retirement concepts: the 4% rule.

In this episode, Greg DuPont shares his research and frustrations that made him question why many advisors still cling to outdated income planning assumptions that could jeopardize retirement outcomes. From the origins of the 4% rule to today’s evolving withdrawal realities, Greg explains why “just pulling 4%” is not a strategy and what proactive advisors and consumers should be doing instead.

Greg discusses:

Why the 4% rule is more folklore than fact in today’s environment

How the sequence of return risk and market cycles can complicate distribution planning

The real cost of fees and taxes when using this outdated rule

Smarter strategies to build flexible, reliable retirement income

And more!

Resources:

MorningStar: The State of Retirement Withdrawal Strategies for 2025

Connect with Greg DuPont:

Wealth Solutions Network Website (JoinWSN.com)

LinkedIn: Greg DuPont

LinkedIn: Wealth Solutions Network