On this episode of The Retirement Plan Playbook, hosts, Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, discuss the 4% withdrawal rule, a guideline that helps to craft a sustainable retirement plan. The rule suggests that retirees can withdraw 4% of their portfolio every year during retirement, adjusting for inflation subsequently, and the portfolio should, theoretically, last for 30 years.

However, the participants emphasize the complexity of the rule and the dynamic nature of the planning based on lifestyle, market conditions, taxes, and unforeseen needs. They also debate the rule’s limitations and potential misapplications, presenting a case for a personalized approach to financial management.

00:02 Introduction to the Retirement Plan Playbook

00:55 Discussion on the 4% Withdrawal Rate

01:41 Super Bowl Excitement and Predictions

04:06 Exploring the New Apple Vision Pro

08:53 Netflix's Entry into Live Sports

12:12 Understanding the 4% Rule for Retirement

21:58 The Bowling Alley Analogy: Guardrails in Financial Planning

22:31 The Importance of Flexibility in Retirement Income Planning

26:34 The Challenge of Conservative Investment and Income Approaches

28:09 The Art of Retirement Planning: Individualizing the Approach

30:33 The Impact of Taxes on Retirement Withdrawals

32:01 The Importance of Regular Financial Review and Planning

35:16 Final Thoughts on the 4% Rule and Retirement Planning

Connect with Evermont Wealth:

• matthew@evermont.com
• (909) 296-7977
• Evermont.com
• LinkedIn: Matthew Theal
• LinkedIn: Brent Pasqua
• LinkedIn: Joshua Winterswyk
• LinkedIn: Evermont Wealth