🔹 What if the 4% Rule is Wrong? 🔹

Is the classic 4% retirement withdrawal rule outdated? With changing market conditions, inflation concerns, and varying financial strategies, it's time to rethink this long-standing retirement planning rule. We debate whether it still holds up today, what experts recommend instead, and how it impacts your retirement plan. Plus, we discuss tax-saving strategies, smart car buying vs. leasing decisions, and what’s next for interest rates in 2024!

📲 Connect with Us

Johnathan Rankin: Johnathan@mforcecapital.com or @thinkretirement

Matt Magee: Mmagee@mforcecapital.com

🔎 About:

We dive into one of the most controversial financial planning topics—the 4% rule—and whether it still works in today’s economy. Learn about alternative withdrawal strategies, the impact of inflation, and why investment returns might not match historical expectations. Plus, we discuss real-world retirement spending habits, car buying vs. leasing for retirees, and upcoming tax changes that could impact your wealth. If you’re planning for retirement, investing, or just want to stay ahead of financial trends, this episode is a must-watch!

⏳ Chapters:

00:00 Welcome to Paper Gains!

00:12 The 4% Rule Debate: Does It Still Work?

02:30 How Investment Returns Impact Retirement Withdrawals

04:50 The Problem with One-Size-Fits-All Retirement Rules

06:40 What Laws Should Change in Retirement Planning?

08:50 HSA & Roth IRA Rule Changes We Want to See

12:00 The Fed’s Next Move: Will Interest Rates Change?

16:00 Buying vs. Leasing a Car in Retirement – Which Is Better?

20:30 How Much Are Retirees REALLY Spending?

25:00 Biden’s Tax Plan: No Taxes Under $150K?!

27:30 March Madness Bracket Predictions

Disclaimer:

mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

Theorem Wealth Management and mFORCE Captial are not a tax advisor, please consult a tax professional.