Financial Foundations

SEASON:
EPISODE: 09

Why the 4% Rule Might Ruin Your Retirement (and What to Do Instead)

In this engaging episode of the Financial Foundations podcast, hosts Dustin Taylor and Alex Wolfe, certified financial planner, discuss the alleged shortcomings of the much-debated ‘4% withdrawal rule’ for retirees.

They explore issues like heightened longevity risk, evolving market return assumptions, varying bond interest rates, and the catastrophic effect of inflation rates on the rule’s validity.

They suggest more adaptive withdrawal strategies that keep in mind inflation, market returns, interest rates, and taxes, and advocate consulting with a financial planner for a tailored approach.

Listen in to learn how taxation or spending patterns in retirement could affect your withdrawal strategy, hear about the ‘guardrails approach’, the smiley face spending theory, and much more.

Email your questions to question@basewealthmanagement.com or visit basewealthmanagement.com for more information. Stream on your favorite podcast app to stay financially informed.

Choose your advisor

Dan DiLascia

Sean Koscho

Kyle
Howell

Josh
Pisa

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2022 Tax Document Information

As a Base Wealth Management client, you should receive your paper tax documents via mail in the coming weeks. Or, if you previously had an online account with Pershing’s NetX360, you should be able to access your 2022 tax documents through that portal. 

If not, or if you experience any issues, please reach out to Tim O’Brien (tim.obrien@intervestintl.com).

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