• Exploring the 4% Withdrawal Rule (Ep.94)

  • Feb 1 2024
  • Length: 41 mins
  • Podcast
Exploring the 4% Withdrawal Rule (Ep.94) cover art

Exploring the 4% Withdrawal Rule (Ep.94)

  • Summary

  • 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
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