Have you heard of the 4% rule?

It’s a guideline established almost 30 years ago that determined you could withdraw no more than 4% of your portfolio each year during retirement.

But… that was 30 years ago.

So is 4% still a good rule of thumb?


Now, I could fill the rest of this email with a LOT of examples and math – average rates of return, rates of inflation – but the problem is that an example is exactly that – an example.

It’s meaningless to YOUR situation.

Retirement and spending never goes exactly as planned, and ultimately, you are far more complex than the two-dimensional Bob & Betty’s Sampler.

There are a LOT of “what if” scenarios, like:

  • What if you live longer
  • What if you spend more or less for different periods of time
  • What if you need to spend time in a nursing home
  • What if you just want to take that once-in-a-lifetime cruise?

So, to ease your mind, let’s talk.

We can pinpoint a comfortable withdrawal amount for YOU.

Doing this will provide you with peace of mind, knowing that you won’t run out of money before you run out of life.

And that’s a lot better than any example I could give you.

Click here to schedule 15 minutes on my calendar.

Dan Cuprill, CFP®