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Retirement Framework Advice
- Understand different retirement frameworks, including guardrails and their assumptions.
- Consider how these frameworks align with your reality and income sources.
Risk-Based Guardrails
- Risk-based guardrails consider both portfolio balance and life expectancy.
- This approach acknowledges decreased risk with shorter life expectancy.
Unique Circumstances
- Risk-based guardrails capture unique circumstances like Social Security delays.
- This framework accounts for higher initial withdrawals before Social Security begins.