Keys to Nailing Withdrawal Rate Conversation with Clients

Today’s episode goes beyond the 4% rule to uncover the real concerns behind client questions like, “How much can I safely spend in retirement?” We explore the origins of sustainable withdrawal strategies, from Bengen’s 1994 research to Guyton’s Guardrails, and show how dynamic approaches can ease anxiety and build confidence. Most clients aren’t overspending—they’re underspending out of fear. Learn how to communicate the why behind the numbers and help clients make empowered, informed choices.

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The strategies discussed may not be appropriate for all viewers. Hypothetical examples based on historical research are for illustration only and do not guarantee future results. All investing involves risk, including the potential loss of principal.

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