The previous 3 episodes discussed why the 4% rule may be too high. Now, Wade and Alex review why the opposite may be true. We break down four reasons to consider the possibility the you are underspending by applying the 4% rule to your retirement income …
This episode concludes our three-part discussion on why the 4% sustainable withdrawal rate may be too ambitious as a retirement income planning assumption. In this episode, Wade and Alex get into how taxes, your investment account types, the need for a m…
Alex and Wade discuss 3 key reasons that point out the dangers of investing for dividends (or yield) as your “go-to” retirement income strategy. Listen to hear them breakdown how this strategy violates the 4% rule and other sustainable withdrawal strateg…
Alex and Wade discuss a few potential reasons why the 4% rule for taking distributions from your investment portfolio may be unfounded in today’s environment. They discuss in-depth the impact of 3 major variables that may cause you to overshoot your amou…
Wade and Alex breakdown the origins of the 4% rule and how it set the stage for the foundation of many sustainable spending strategies. They also revisit some of the assumptions in the original study and point out areas for further consideration for your…
In order to set up an investment-driven spending strategy in retirement, you need to understand the timing of your potential market returns. In this episode, Wade and Alex discuss four ways you can manage this timing risk. Listen to this episode to find …
Before discussing the many sustainable spending strategies that are out there, Wade and Alex breakdown the essential characteristics that they all have in common. There are four main levers that you need understand independently and collectively to grasp…
Dave Blanchett joins Wade and Alex in this episode to discuss the different retirement planning approaches. We breakdown the differences between Monte Carlo Analysis and the Funded Ratio and how they both serve a valuable purpose in your retirement incom…
In this episode, Wade, Alex, and Bob continue their conversation on the Funded Ratio – and dive into what the results can tell you about where you stand relative to your retirement income goals. Is your strategic allocation aligned with your retirement i…
In the episode, Wade, Alex, and very special guest Bob, discuss the Funded Ratio – a household balance sheet oriented approach to analyzing your retirement income plan. Your Funded Ratio answers a very simple question – do you have enough to meet your fu…
