The Impact of Decreasing Retirement Spending on Safe Withdrawal Rates

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The Impact of Taxes on the Safe Withdrawal Rate

The original 4% safe withdrawal rate research ignored the impact of taxes, but that doesn't mean safe withdrawal rates only exist in theory. In fact, extensive research has been done on the impact of taxes and how to adjust a retiree's recommended spending accordingly. Here's what you need to know.

3 Types of Retirement and Their Very Different Savings Strategies

Instead of aiming for a retirement of pure leisure, many Americans now prefer “semi-retirement” (with part-time work) or a series of “temporary retirements” (interspersed with sabbaticals and then new careers). What does this mean for how much clients need to save?

Compare & Contrast: How 22 Retirement Income Scenarios Affect the Sustainable Withdrawal Rate

A comprehensive review of 22 different retirement income strategies reveals how different factors such as alpha, beta, rebalancing, bucket strategies, glide paths, and more can affect a client’s sustainable withdrawal rate and lifelong income.

One Withdrawal Rate to Rule Them All. Really?

Advisors try to pack all of a retiree’s expenses into one overarching withdrawal rate like 4%. But clients have different spending needs and a different risk capacity associated with each of those needs. For a better outcome, calculate multiple withdrawal rates depending on a client’s essential, basic, and discretionary expenses.