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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...
The 4% rule is now the 4.7% rule, but safe withdrawal rates are no substitute for a holistic retirement plan. The post A Richer Retirement: Why William Bengen Now Advocates for a 4.7% Rule, Not 4% app...
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...
Most early retirement advice leans on a single number: the 4% rule. Withdraw 4% of your portfolio each year, and you’re supposed to be safe. But here’s the reality: almost no early retiree...
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...
I retired mid-year, 2024 (June 1). Because I had 5 months of working salary before SS, and I did start doing IRA withdrawals, and she is still working, it looks like there is a good chance we'll be hi...
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...
If you're leaning toward implementing the 4% rule when it comes to withdrawals in retirement, here's how to know how to adjust as you go The post What Does It Mean to ‘Adjust as You Go’ in...
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....
New research from the inventor of the 4% rule highlights how diversification, rebalancing and rising glide paths can safely increase sustainable retirement withdrawals....
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...
Guyton-Klinger guardrails is a strategy that allows for a relatively large withdrawal rate during retirement. Here are the pros and cons. The post What Is the Guyton-Klinger Guardrails Approach for Re...
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....
The Rule of 240 Paychecks can help you plan for a lifetime of withdrawals. Because, like any good boss, you need to pay yourself wisely....
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....
Retiring before 59.5? Discover how to make penalty free withdrawals from your retirement accounts to help fund your early retirement. The post Early Retirement Withdrawals: 5 Ways to Take Penalty-Free...
With the market in correction territory, retirees banking on generating income from their investments may need to rethink their short-term strategies....
Once you start RRIFing, how do you make sure you have enough cash, and should you dial down risk? The post How to make sure you have enough money to fund your RRIF withdrawals appeared first on MoneyS...
Advisors and investors alike have long deferred to the 4% rule when planning for retirement, but new research shows the popular strategy is not as robust as once thought....
I’ve been retired for three years and, so far, my investments have grown more than I spend. Although 2022 was a tough year to retire into, my total annualized return is currently about 11%. I ha...
The bill is aimed at victims of retirement plan account fraud...
We are retired and have a nice but not opulent nest egg that we withdraw a small amount from monthly for current expenses. My question relates to those expenses that aren't current. Let's say we have ...
An inherited IRA is an account that is opened when someone inherits an IRA after the original owner dies. Discover the top rules for inherited IRAs....
I hope this is not off topic here, but you all usually have very good advice. I retired Dec 31. I am 63 yrs old. In November a family member unexpectedly gifted investments to me and my siblings. I De...
Should you retire in 2025? It depends on on how much you saved, your withdrawal plan and how the country is doing....
Unsure if it is a good move or not to start taking withdrawals from my 401k at age 60 as I am being let go from my job and unsure what kind of job I will get next. Portfolio may be at 1 million now. M...
This will be my first full year of retirement. SS, a small FERS annuity, and 401k (TSP). Since I’m not having any Fed withholding on my annuity taken out, my tax guy says I need to be making qua...
Canadians must begin taking RRIF withdrawals the year after converting an RRSP. What happens if you convert only part of an RRSP, and which withdrawal strategy may be the most tax-efficient? The post ...
How much do Nick and Nora in Pittsburgh, and Doc Mc Muffin and her Mr. in Minnesota, need to have saved, and how much can they afford to spend in retirement? What are the disadvantages to Fred and Eth...
Hello, I have a HELOC of approximately 200,000. I am semi retired. I need to withdraw approximately 80 K per year to supplement my income. I am not collecting my pension or Social Security yet. once I...
401(k) plans are designed to help in retirement, but if you don’t follow the rules, you may find yourself facing 401(k) withdrawal penalties. This is because the purpose of a 401(k) plan is to p...
In this episode, we're talking about the importance of a strategic withdrawal plan in retirement to keep taxes in check and set you up for long-term financial stability. Ari and I break down why a sim...
I'm looking for software where I can input my investments and where it is invested, to find the best way to withdraw X amount each year to minimize taxes and remain balanced. It is a little complicate...
There are hundreds of methods for how to spend from a retirement portfolio. Let's go over a few of them to see what might work best for you. The post Comparing Portfolio Withdrawal Strategies in Retir...
Since our very first post in 2010, our focus has been on helping households determine how much they can afford to spend each year in retirement (hence the title of our website). By contrast, the focus...
Choose an effective strategy to withdraw from your savings in retirement to help you sleep at night and better enjoy your retirement years...
I am a 75 year old retired father who would like to understand how to efficiently withdrawal from my two accounts. Here is more information about my current situation. Debt: No debt and house is fully...
It’s finally time to start using the money you managed to save and invest over the years. But be careful: Taxes are just one of the tricky parts....
This article in the November 2024 Bulletin by Richard Eisenberg should mention MaxiFi. It is a wonderful tool to plan withdrawals from pre-tax and post-tax retirement accounts and other financial acco...
Learn about distribution rules for inherited IRAs and learn how to strategize your distributions for your financial goals. The post Have an Inherited IRA? Here is Your Guide to Strategizing Required W...
The rule of $1,000 a month can estimate how much you need to save for retirement. But it assumes an aggressive withdrawal rate....