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September 28, 2026 – Welcome to a new installment in the Safe Withdrawal Rate Series. You can find the series landing page here. Today’s topic is the new portfolio allocation recommended by Bill Benge...
Schedule a Free Financial Assessment with an experienced professional: https://bit.ly/YMYWassessC 63-year-old Kevin in Denver is pulling $100K a year out of his portfolio. What’s the tax-smart way for...
New “Withdrawal Optimizer” helps advisors determine where to source unexpected client cash needs while accounting for taxes, Medicare surcharges, investment holdings and other planning considerations
As clients consider when to claim Social Security, an advisor proposed a strategy to maximize tax-free retirement income using certain benefits and senior deductions.
A declining market will make any retiree uncomfortable, and it could put your future in jeopardy if you haven't thought through your withdrawal strategy. Many retirees struggle to shift their mindset ...
By coordinating withdrawals from retirement accounts to keep your income below certain thresholds, you can save on taxes and benefit from valuable deductions.
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://youtu.be/7lpp3XXiDyQ ======================= You probably think the ...
We asked 15 questions to determine how those who have retired got there. So far, about 140 people have responded. Here's what they said. The post ‘It Felt Awkward to Have More Time and a Slower Pace’:...
July 27, 2026 – Welcome back to a new part of my Safe Withdrawal Rate Series. In my 10-year quest to study safe withdrawal strategies and find ways to hedge or at least alleviate Sequence of Return Ri...
Howdy gang! I've been reading up on retirement and planning to do so in the next couple months (age 65). I see the 4% rule quite a bit but it just doesn't seem to jive with my actual annual returns no...
Your 401(k) account can be a tempting pile of cash, but dipping into it could cost you big time.
When it comes to retirement savings, Roth IRAs are among the most powerful tools for achieving tax diversification and financial flexibility. Knowing how and when to tap into your Roth IRA can make a ...
Financial Assessment (Meet with an experienced professional): https://bit.ly/PureFreeAssessment Today on Your Money, Your Wealth® podcast number 582, Joe Anderson, CFP® and Big Al Clopine, CPA address...
Morningstar puts the safe withdrawal rate at 3.9%, but flexible strategies can push it to 5.7%. Seven takeaways and what they mean for you. The post What’s a Safe Withdrawal Rate in 2026? Morningstar ...
Financial Assessment (Meet with an experienced professional): https://bit.ly/PureFreeAssessment Today on Your Money, Your Wealth® podcast number 582, Joe Anderson, CFP® and Big Al Clopine, CPA address...
Hey everyone! I hope you’re enjoying the beautiful spring weather. It’s been a while since I posted an update. To be completely honest, blogging became much more difficult once I ... Read more The pos...
401(k) withdrawal rules determine when you can access your money and what it will cost you. While you can typically withdraw penalty-free after age 59½, earlier withdrawals may trigger taxes and penal...
My IRA balance is constantly variable. It’s not the same today as it was last week, last month, last year. I see rules like the 4% rule and other calculations based on account balance used as a guide ...
Here’s how your 401(k), IRA and Social Security can help you pay for storm-related costs.
We asked 15 questions to determine how those who have retired got there. So far, about 125 people have responded. Here's what they said. The post ‘I Got Poor Advice from an Accountant . . . That’s a B...
More Americans are taking hardship withdrawals from workplace retirement accounts, prompted by rising costs — and looser rules.
The safe withdrawal rate says you can spend about 4% of your portfolio in retirement and not run out of money. But is that actually accurate? The post Should You Use a ‘Safe’ Withdrawal Rate? appeared...
Clinging to 'safe' income and hoarding your principal isn't protecting your wealth; it's shortchanging the retirement you earned.
Recent data from Vanguard and Fidelity shows 401(k) hardship withdrawals at record highs as everyday costs rise and savings run thin. Understanding the long-term impact of pulling from your retirement...
We asked professional wealth advisers to weigh in.
I have been retired 1 year. I made about 50k managing my fidelity IRA and overall made around 10%. My plan was to take 4% a year or 20k so that tracks. I keep 6 months of bills in savings currently an...
A major reason not to set your retirement plan on autopilot: sequence of returns risk. Here's how to help ensure a bad market won't sink your golden years....
We asked financial experts for advice....
John asks if taking larger IRA withdrawals beyond his RMD to fund his daughter's Roth IRA makes sense as a strategy to reduce future RMDs, lower estate taxes, and pass on tax-free assets. Although thi...
We asked 15 questions to determine how those who have retired got there. So far, dozens of readers have responded. Here's what they said. The post Real Life Examples of How WCIers Live, Worry, and Wit...
Bill Bengen updates his Safe Withdrawal Rate to 4.7%. What it means for retirees and how long your portfolio can really last....
John asks if taking larger IRA withdrawals beyond his RMD to fund his daughter’s Roth IRA makes sense as a strategy to reduce future RMDs, lower estate taxes, and pass on tax-free assets. Althou...
So we switched from investors group to RBC Dominion securities about 56 years ago. We love our financial planner. She is very smart and answers all of our questions. However, she is making a ton of mo...
On a random weekday earlier this month, a few hours of unexpected free time materialized on my calendar. My eyes quickly darted to Bill Bengen’s new book, A Richer Retirement: […] The pos...
Understand when you can withdraw from 401k without penalty, the ages that matter, the exceptions that apply, and smart sequencing that protects your plan. The post When Can You Withdraw From 401k With...
My financial advisor runs an annual cash flow plan to see how ready I am for retirement. I am 65. I currently work full time and will continue to do so until I am 70 when I will draw Social Security. ...
I am hoping to buy a lakefront property for a retirement home. I am 63 and plan on working another 5 years. My current home is paid off and I would sell it once I retire. For the retirement property I...
Your retirement savings may need to last 30 years or more, so don't pick a withdrawal strategy without considering all the options. Here are four to explore....
There is a perception that the decumulation years are dramatically more complicated than the accumulation years. That doesn't have to be true. The post 4 Easy Retirement Withdrawal Plans appeared firs...
These retirement withdrawal strategies avoid tax and stock market pitfalls that can eat into your savings....
Market volatility is inevitable. Whether you’re 10 months or 10 years into retirement, it’s vital to ask: is your investment strategy prepared? In this episode, we discuss: Why market vola...
The financial services firm’s guidance takes a different path than the traditional 4%-a-year strategy. Researchers compare the two to see how they stack up....
Few financial advisers have heard of this 401(k) withdrawal issue. Here's how to safeguard your portfolio....
In an analysis stretching back to 1926 of 75 different retirement scenarios, Craig Israelsen compares five different retirement portfolio withdrawal strategies, from a fixed annual amount to the 4% ru...
Despite the increased rate of withdrawals, end-of-year HSA account balances were higher than…...
Before she retires next month at age 52, Rowan in Georgia wonders how to maximize growth in her IRA, which will be funded with 72(t) early retirement withdrawals. What do Joe Anderson, CFP® and Bi...
June 2, 2025 – Welcome to another installment in my Safe Withdrawal Series, please check the landing page for all posts so far. Today’s topic is about Small-Cap Value (SCV) stocks and whet...
Thinking about tapping your 401(k) early? Learn when it may make sense—and the penalties to avoid—before withdrawing from your retirement savings....
About 5 years ago, when I started doing a relative's tax return, he was always prompting me to make a quarterly tax payment. Since he had to take RMDs and since he did not need the income from the RMD...
The bucketing approach to retirement planning is popular in part for its behavioral benefits, but financial advisors say there are alternative strategies that may be better solutions....