Podcasts about withdrawal rule

In this episode of Beer andMoney, Ryan Burklo discusses various tax strategies for retirement, emphasizing the importance of planning with the end in mind. He explores the implications of different income needs, the 4% withdrawal rule, and compares various tax strategies including amortization and annuities. The conversation highlights how where you place your money can significantly impact your tax bracket and overall financial health in retirement. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Understanding tax brackets is crucial for retirement planning. The 4% rule helps determine sustainable withdrawals. Amortization can provide a different tax strategy for income. Annuities can offer guaranteed income but have tax implications. Effective tax rates can vary significantly based on income sources. Planning with the end in mind allows for better tax strategies. Diversifying tax buckets can help control tax liabilities. Long-term planning is essential for maximizing retirement income. Where you put your money today affects future tax strategies. Engaging with financial professionals can simplify planning.  Chapters 00:00 Introduction to Tax Strategies in Retirement 02:54 Understanding Income Needs and Tax Implications 06:10 Exploring the 4% Withdrawal Rule 08:59 Amortization as a Tax Strategy 11:54 Comparing Tax Strategies: Interest-Only vs. Amortization 15:00 Annuity as a Tax Strategy 18:03 Tax Implications of Annuities 20:45 Long-Term Tax Planning Strategies 23:12 Conclusion and Call to Action  

The theme this week on the podcast is: The Best of 2024 I'm bringing you into the new year by rewinding and replaying the most downloaded, most listened to, and most popular episodes from 2024. The topics are varied, covering everything from social security to inflation to the 4% rule.

"As long as the stock market goes up, take 4% of your money and you'll never run out." That's the theory. Does it work? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Summary In this episode of the Humans vs Retirement podcast, I interview Bill Bengen, the pioneer of the 4% safe withdrawal strategy, who shares insights from his extensive research on retirement income strategies. Bill discusses the evolution of the 4% safe withdrawal rate, revealing that the worst-case scenario may now be closer to 5%. He emphasises the importance of diversification, glider path investing, and rebalancing in enhancing withdrawal rates. The conversation also delves into the risks of inflation and the significance of understanding personal inflation rates in retirement planning. Bill concludes with thoughts on the current market environment and the future of retirement planning. Takeaways Bill Bengen's research has evolved the 4% rule to a 5% worst-case scenario. Only one out of 400 retirees in Bengen's database faced the 5% withdrawal rate. Diversification across multiple asset classes is crucial for sustainable withdrawals. Glider path investing can significantly enhance retirement income. Rebalancing portfolios regularly is essential to avoid overexposure to equities. Sequence of inflation risk poses a significant threat to retirees. Personal inflation rates often exceed government-reported figures. Retirement spending tends to decrease in real terms over time. Many retirees fear running out of money more than death itself. Current market conditions are unique and require careful planning. Sound Bites "The 4% rule has evolved to a 5% worst case." "Only one out of 400 retirees hit the 5% mark." "Diversification is key to higher withdrawal rates." Chapters 00:00 - Introduction to Bill Bengen and His Research 04:52 - The Evolution of the 4% Withdrawal Rule 10:05 - New Insights: The 5% Withdrawal Rate 14:49 - Strategies for Sustainable Withdrawals 20:07 - Understanding Inflation Risks in Retirement 25:09 - The Importance of Personal Inflation Rates 29:59 - The Future of Retirement Planning 34:58 - Conclusion and Future Directions

On this week's show: The “R” word is still out there. Recession. Can you protect the gains you've realized? Another nationally recognized name blows up the 4% withdrawal rule. You protect your retirement money from markets, taxes, and fees. Are you forgetting something? Like this episode?  Hit that Follow button and never miss an episode!

Recently, on his popular show, a well-known, "financial expert" dismissed the common advice to withdraw only 4% of your retirement savings annually as "moronic," advocating instead for an 8% withdrawal rate. In this video, Peter Richon with Richon Planning and Erin Kennedy talk through whether and when an 8% withdrawal rate makes sense. Here's the answer: yes, it might make sense. But it all depends on the individual person. Finding the correct withdrawal rate will vary from person to person. To find that number, you need to account for life expectancy, spending habits, and market conditions. Finding that number will ensure your savings will last throughout your retirement while allowing you to maintain your desired lifestyle. If you'd like to find your own unique, personalized withdrawal rate (keeping in mind that the rate should be revisited annually), please give Peter a call at (919) 300 - 5886 or visit www.RichonPlanning.com #DaveRamsey #WithdrawalRate #Retirement #FinancialAdvisor

This week's theme on the Retirement Quick Tips Podcast is: Listener questions, answered! Today's listener question is: Does The 4% Withdrawal Rule In Retirement Still Apply In This Higher Inflation Economy?...

Feb 19, 2024 – The 4% withdrawal rule is a decades-old doctrine of retirement financial planning. Propounded by financial planner Bill Bengen in the 1990s, it suggests that retirees can withdraw 4% of their retirement savings annually...

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2624: In Part 2 of Jim Wang's article on self-planning finances, he continues with planning for future states, focusing on retirement savings. He simplifies the process with the 4% withdrawal rule, advocating for savings to be 25 times your annual expenses. Wang then shifts to the practical steps of getting from your current financial state to your desired future state. He emphasizes setting clear, actionable goals for savings and investments, adjusting plans annually, and remaining adaptable to life's changes. Wang concludes by highlighting the importance of having a plan to make informed decisions, rather than relying solely on intuition. Read along with the original article(s) here: https://www.makingsenseofcents.com/2016/07/how-to-come-up-with-a-financial-plan-without-visiting-a-professional.html Episode references: 4% Withdrawal Rule: [https://www.investopedia.com/terms/f/four-percent-rule.asp] Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2624: In Part 2 of Jim Wang's article on self-planning finances, he continues with planning for future states, focusing on retirement savings. He simplifies the process with the 4% withdrawal rule, advocating for savings to be 25 times your annual expenses. Wang then shifts to the practical steps of getting from your current financial state to your desired future state. He emphasizes setting clear, actionable goals for savings and investments, adjusting plans annually, and remaining adaptable to life's changes. Wang concludes by highlighting the importance of having a plan to make informed decisions, rather than relying solely on intuition. Read along with the original article(s) here: https://www.makingsenseofcents.com/2016/07/how-to-come-up-with-a-financial-plan-without-visiting-a-professional.html Episode references: 4% Withdrawal Rule: [https://www.investopedia.com/terms/f/four-percent-rule.asp] Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2624: In Part 2 of Jim Wang's article on self-planning finances, he continues with planning for future states, focusing on retirement savings. He simplifies the process with the 4% withdrawal rule, advocating for savings to be 25 times your annual expenses. Wang then shifts to the practical steps of getting from your current financial state to your desired future state. He emphasizes setting clear, actionable goals for savings and investments, adjusting plans annually, and remaining adaptable to life's changes. Wang concludes by highlighting the importance of having a plan to make informed decisions, rather than relying solely on intuition. Read along with the original article(s) here: https://www.makingsenseofcents.com/2016/07/how-to-come-up-with-a-financial-plan-without-visiting-a-professional.html Episode references: 4% Withdrawal Rule: [https://www.investopedia.com/terms/f/four-percent-rule.asp] Learn more about your ad choices. Visit megaphone.fm/adchoices

This week's theme on the Retirement Quick Tips Podcast is: Designing A Retirement Spending Strategy Today, I'm talking about the fixed % withdrawal rule where you take the same percentage like in the 4% rule, but instead of adjusting for inflation, you adjust based on the new portfolio value each year.

In this Real Estate News Brief for the week ending November 18th, 2023... you'll hear about two great inflation reports, a big tax break for Texas property owners, and the latest on the former 4% withdrawal rule for retirees.   We begin with economic news and two great inflation reports from this past week. The government released the latest CPI and PPI reports for October. The Consumer Price Index was “flat” for the month and that brought the annual rate of inflation down from 3.7% to 3.2%. When you strip away prices for food and fuel for the core rate, the numbers still suggest inflation stickiness. The core rate was up .2% with a slight decrease in the annual rate. It's now at 4%. But, it's a soft inflation reading overall...   ...That's it for today. You can read more about the stories in this episode by following links in the show notes at newsforinvestors.com. And please remember to subscribe to this podcast and leave a review. You can also learn more about creating a portfolio of rental properties by signing up for a free RealWealth membership at newsforinvestors.com.    Thanks for listening! Kathy Fettke   Links:   1 - https://www.marketwatch.com/story/inflation-flat-in-october-thanks-to-cheaper-gas-cpi-finds-58d3d13d   2 - https://www.cnbc.com/2023/11/15/wholesale-prices-fell-0point5percent-in-october-for-biggest-monthly-drop-since-april-2020.html   3 - https://www.marketwatch.com/story/jobless-claims-climb-to-three-month-high-of-231-000-in-sign-labor-market-is-cooling-98cd8771?mod=economic-report   4 - https://www.marketwatch.com/story/u-s-housing-starts-rise-for-the-second-straight-month-80f18869?mod=search_headline   5 - https://www.marketwatch.com/story/builder-confidence-index-falls-for-the-fourth-month-in-a-row-1b2404e6?mod=economic-report   6 - https://www.freddiemac.com/pmms   7 - https://www.texastribune.org/2023/11/07/texas-proposition-4-property-tax-cut/ 8 - https://www.investmentnews.com/the-4-rule-is-back-but-its-not-really-a-rule-245671

Do you wish you had more optionality when it comes to designing your retirement? In this episode of Retirement Starts Today, we'll explore an article from Forbes that poses five alternatives to the 4% rule that you may want to explore for your retirement withdrawal strategy. In our retirement headlines segment Bret and I team up to answer a question that both Google and ChatGPT got wrong. Find out what it is by listening until the end! Outline of This Episode [2:22] The types of spending strategies that can be used in retirement [13:30] Is creating a donor-advised fund a good way to avoid IRMAA? Resources & People Mentioned Boomer Benefits Boomer Benefits Facebook group Forbes article Want to help me with my book? Take this survey! Schedule a meeting with me to see if we would be a good fit  Trusted sources for financial information - Ed Slott, IRS.gov, Kitces.com Connect with Benjamin Brandt Get the Retire-Ready Toolkit:http://retirementstartstodayradio.com/ Follow Ben on Twitter:https://twitter.com/retiremeasap Join the newsletter: https://retirementstartstodayradio.com/newsletter Dive deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on Apple Podcasts,Stitcher,TuneIn,Podbean,Player FM,iHeart, orSpotify

What is the 4% safe withdrawal rule? It's often talked about and cited in social media posts, blogs, and books. But where does it come from? What do you do with it? When is it useful and when is it not useful? Evon talks about the research behind the 4% sustainable withdrawal amount, its limitations, what it's useful for, and other helpful takeaways from the research. Have questions on anything discussed or want to have topics or questions featured on the show? Send Evon an email at evon@optometrywealth.com.Check out www.optometrywealth.com to get to know more about Evon, his financial planning firm Optometry Wealth Advisors, and how he helps optometrists nationwide. From there, you can schedule a short Intro call to share what's on your mind and learn how Evon helps ODs master their cash flow, build their net worth, and plan purposefully around their money and their practices. Resources mentioned on this episode:The Optometry Money Podcast Ep. 22: How to Track Progress Toward Financial IndependenceDetermining Withdrawal Rates Using Historical Data - Bill Bengen (1994)Retirement Savings Choosing a Withdrawal Rate That is Sustainable (Trinity Study 1998)Creator Of 4% Rule Says New Withdrawal Target Is 4.7%Estimating Changes In Retirement Expenditures And The Retirement Spending Smile - Michael Kitces (2014)The Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

Alan Corey lays out how House FIRE is the best method to reach early retirement.  Typical rule of thumbs are to save 25 times your annual expenses in a stock portfolio and then withdraw just 4% of that balance each year.  But what is out there for us real estate investors? Intro from Haley and Justin Brown-Woods, co-hosts of "The Price of Avacado Toast" podcast, who on their own podcast mentioned how the House FIRE strategy  lead to them purchasing a "Student Debt House."

Taxes will be Your Biggest Expense in Retirement! Tax Protection - Buckets to Brackets - BRT S03 EP30 (129) 7-8-2022 – Wealth for Life   Things We Learned This Week Capital Control - Tax Free $, No Losses, Principal Protection, Lock in Gains Top 10% Strategies – if you earn more than $140K, than top 10% earner, so most financial advice does not apply anymore “One Thing” Retirement Plan – 401K, & stocks (+ W2 income), has Market Risk, & no Defense Assets act as a hedge vs. inflation - money sitting in cash, loses value to inflation, purchase an asset that goes up in value more than inflation. Past – people had pensions, savings, & social security to rely on, today have to create your own retirement plan – use Tax Buckets and move money into a long term Tax Free position to defend vs rising taxes Tax Buckets, broken into 3 categories of Taxed (income), Tax deferred (401K), Tax Free (Roth)     Co-Host: Denver Nowicz, President - Wealth For Life   https://wealthforlife.net/brt/ https://twitter.com/denvernowicz  Denver is an advisor with nearly 20 years experience working with clients in investments and insurance, designing retirement plans with a combo of both. He takes us through different strategies for clients to get the best allocations for their money over the long term. It is the Combo Strategy of both Offense and Defense, the synergy of the mix, not ‘All or Nothing'.   Notes:    Tax Protection – defense strategy, put money in long term tax free position Index Strategies with IUL   Top 10% strategies – if you earn more than $140K, than top 10% earner and most financial advice does not apply anymore Wealth gets more wealth – save and invest more money using leverage can grow massively thru compound interest   “One Thing” Retirement Plan – 401K, and stocks (+ W2 income), hope it goes up and no volatility (market risk). 90% of people are on this plan – Need to get away from this plan and diversify your retirement plan Retirement Rule or 4% Withdrawal Rule – is outdated, and often will fund one's lifestyle in retirement   More efficient use of money Assets can act as an inflation hedge, as they increase in value when Inflation rises. Income Streams – Good use of Harvesting type assets leads to multiple income streams Net Worth – personal financial statement, fill out yearly and list asset values Tax Mitigation – Top 5% hit by taxes Tax code favors investment, business owners and people who take risks – have write offs. W2 employee gets punished. Tax Buckets – taxable income,  tax deferred, tax free IRS tax table to see tax bracket $100 K at 24% = $24 K / yr X 25 years = $600 K savings $137K, $250 K, $432 K Top 10%, 5%, 1% Tax rates low vs. US history 16th Amendment, 1913 – created Income Tax 70% pay little Tax free exit – Capital Efficiency – Financial leverage – Average retirement – 6x home cost Forget retail mindset – 90% financial ed does not apply to top 10% $100K 6 figure income with inflation – need $250 K   Cap. Control – no losses, principal prot. Taxes – permanent loss of 25-50% every year You are always Partners with the Gov't / IRS         More Info on WFL and Tax Free Matching: HERE   Wealth For Life Topic: https://brt-show.libsyn.com/category/Wealth+For+Life   Link to Taxes Show on 10/31/2021 w/ Denver: Here Link to Offense / Defense Show on 6/6/2021 w/ Denver: Here Link to Shows, Denver was a Guest: Here   Investing Topic: https://brt-show.libsyn.com/category/investing More - BRT Best of: https://brt-show.libsyn.com/category/Best+Of     Thanks for Listening. Please Subscribe to the BRT Podcast.      Business Roundtable with Matt Battaglia The show where Entrepreneurs, High Level Executives, Business Owners, and Investors come to share insight and ideas about the future of business. BRT 2.0 looks at the new trends in business, and how classic industries are evolving.  Common Topics Discussed: Business, Entrepreneurship, Investing, Stocks, Cannabis, Tech, Blockchain / Crypto, Real Estate, Legal, Sales, Charity, and more…  BRT Podcast Home Page: https://brt-show.libsyn.com/ ‘Best Of' BRT Podcast: Click Here BRT Podcast on Google: Click Here BRT Podcast on Spotify: Click Here                    More Info: https://www.economicknight.com/podcast-brt-home/ KFNX Info: https://1100kfnx.com/weekend-featured-shows/   Disclaimer: The views and opinions expressed in this program are those of the Hosts, Guests and Speakers, and do not necessarily reflect the views or positions of any entities they represent (or affiliates, members, managers, employees or partners), or any Station, Podcast Platform, Website or Social Media that this show may air on. All information provided is for educational and entertainment purposes. Nothing said on this program should be considered advice or recommendations in: business, legal, real estate, crypto, tax accounting, investment, etc. Always seek the advice of a professional in all business ventures, including but not limited to: investments, tax, loans, legal, accounting, real estate, crypto, contracts, sales, marketing, other business arrangements, etc.    

Assets – Appreciating vs. Harvesting - BRT S03 EP26 (125) 6-17-2022 – Wealth for Life   Things We Learned This Week Appreciating Asset – buy low, sell high, buy an asset and hope it goes up in value – ie Stocks,, Gold, Art, Real Estate, Crypto Harvesting Assets – Assets that give off income, or cash flow - ie  Real Estate rental property, owning a business, dividend stocks, REITs, etc. Stock market is not Efficient at capturing gains, have to sell at the right time to gain the value of the asset – harvesting Assets can also appreciate while giving off income Assets act as a hedge vs. inflation - money sitting in cash, loses value to inflation, purchase an asset that goes up in value more than inflation. Past – people had pensions, savings, & social security to rely on, today have to create your own retirement plan – use Tax Buckets and move money into a long term Tax Free position     Co-Host: Denver Nowicz, President - Wealth For Life   https://wealthforlife.net/brt/ https://twitter.com/denvernowicz  Denver is an advisor with nearly 20 years experience working with clients in investments and insurance, designing retirement plans with a combo of both. He takes us through different strategies for clients to get the best allocations for their money over the long term. It is the Combo Strategy of both Offense and Defense, the synergy of the mix, not ‘All or Nothing'.   Notes:  Assets: Appreciating vs. Harvesting    There are many different Assets you can invest in. Common asset classes are Stocks, Bonds, Gold & Real Estate. There are Alternative assets like Crypto, Art, Private Equity, etc. The classic idea is you  buy an asset as an investment with the idea it will appreciate over time so it is worth more when you sell it.  Buy low, sell high. It also may act as a hedge vs inflation. Instead of having your money sit in cash, and lose money to inflation, you purchase an asset that goes up in value more than inflation. What is rarely discussed is the concept of Appreciating Assets vs. Harvesting Assets. What's the difference? Appreciating Assets are the assets mentioned above, where the plan is to buy low, wait for the appreciation, then sell high. You do not capture the gains until you sell. You gain value on paper, but if you wait too long to sell, you could miss the appreciation. Likewise if they lose value but you do not sell, then only a paper loss.  Stocks are a classic example. 'If I just sold last month, I would have made 25%, instead of 15%.' You have to time it right. Other examples are Gold, Art, most Crypto, certain types of Real Estate (Land for example with nothing build on it yet).  These assets are only valuable when they appreciate, and if you sell at the right time.  Harvesting Assets are assets that get interest, or give off profits, or cash flow. You are able to capture some of the gains from the asset.  Examples are: Rental Real Estate - get rental income, plus expense write offs, plus depreciation *** Bonds - collect interest during the term, and receive the full value if held the entire term *** Dividend Stocks - receive payments quarterly from the co. *** REITs - pays out 90% of income as dividends to investors *** Crypto that is Staked - receive interest payments while staking *** Covered Call Options - collecting premium on stocks you own, by renting them out *** Business - that is profitable, and gives off cash flow Index Life Insurance - receive credited interest during the term *** Asset value can go up or down in the holding period In fact many of the above Harvesting examples can all be both Appreciating and Harvesting Assets: Rental Real Estate, Bonds, Dividend Stocks, REITs, Cash Flowing Business, Index life Insurance, etc. Note: Options are not an asset, they are a contract that with a decaying value over its term, and can go down quickly; time decay lessens the option contract the longer you hold it, until it expires at the expiration date worthless. This is why Options are often referred to as trading (short term) vs investing (long term).  When investing in Assets, it is recommended you buy Harvesting Assets to get the best of all worlds. In case the value of the Asset goes down, at least you receive some cash while holding the Asset.   Cash – classic asset that loses value over time, can't buy the same amount today for a dollar that you could 10 or 15 years ago Fed Policy – print money, devalues currency, creates inflation            Inflation – eats away at value of cash, assets like stocks, gold, real estate can all act as a hedge vs inflation Create assets – digital assets, build an online business  Past – people had pensions, savings, & social security to rely on, today have to create your own retirement plan   Buy & Hold – appreciating asset, when to sell, avoid whipsaw of market (up & down movement) Harvesting – cash flow, take profits off table and re-deploy money Asset pricing and timing   Hard Assets - Real Estate Cash Flowing (CF) Business with recurring revenue is an excellent harvesting asset that gives you multiple options to grow wealth long term   With good assets, can use leverage to grow wealth and acquire more assets. Assets – appreciate, options, harvest / cash flow Leverage – scale wealth using other people's money, finance your retirement and go bigger and quicker   Tax Protection – defense strategy, put money in long term tax free position Index Strategies with IUL   Top 10% strategies – if you earn more than $140K, than top 10% earner and most financial advice does not apply anymore Wealth gets more wealth – save and invest more money using leverage can grow massively thru compound interest   “One Thing” Retirement Plan – 401K, and stocks (+ W2 income), hope it goes up and no volatility (market risk). 90% of people are on this plan – Need to get away from this plan and diversify your retirement plan Retirement Rule or 4% Withdrawal Rule – is outdated, and often will fund one's lifestyle in retirement   More efficient use of money Assets can act as an inflation hedge, as they increase in value when Inflation rises. Income Streams – Good use of Harvesting type assets leads to multiple income streams Loan Collateral – borrow against assets, or use as collateral to get a loan or another asset Credit Line – borrow from assets (ie – bank credit line, real estate credit line) Refinance – cash out refinance of real estate leads to tax free money returned Net Worth – personal financial statement, fill out yearly and list asset values   Markets are inefficient, and often irrational. Humans are emotional and tend to panic when they see scary headline on CNBC. People sell on fear of a recession, disregarding the fact that many of these big companies will not go out of business.  Trading in the Markets have changed with all the super computers and algorithms involved in daily stock trading. Computers can create huge sell offs in the market, because of the programs and indicators they operate off of - artificial intelligence.  Financial Advice should be more holistic. Too much advice is based on buying stocks, vs growing your overall net worth. To grow wealth, one must have cash flowing assets. You want to put yourself in a solid financial position owning different assets (like real estate, stocks, etc.) so you can handle economic downturns.  The stock market value is all on paper until you sell, so it is inefficient on capturing gains. The wealthy may only have 20 - 30% of their money in the stocks. It is hard to be consistent and disciplined in your investing. You need ways to generate cash, and lock in gains.  It is important to understand Market Cycles, and how they work, plus how long they will last. Howard Marks writes often on this topic, in his memos or the book he wrote on the topic (here is a summary). If you can recognize these cycles, it helps in investment planning.  Tiger 21 Club - Follow this super investor group for ideas, and how they diversify their investments. Allocation usually has 25% in real estate, 25% in stocks, 25% in private equity, 10% in cash, and the rest is Bonds or other investments.  https://tiger21.com/     More Info on WFL and Tax Free Matching: HERE     Wealth For Life Topic: https://brt-show.libsyn.com/category/Wealth+For+Life   Link to Taxes Show on 10/31/2021 w/ Denver: Here Link to Offense / Defense Show on 6/6/2021 w/ Denver: Here Link to Shows, Denver was a Guest: Here   Investing Topic: https://brt-show.libsyn.com/category/investing More - BRT Best of: https://brt-show.libsyn.com/category/Best+Of     Thanks for Listening. Please Subscribe to the BRT Podcast.      Business Roundtable with Matt Battaglia The show where Entrepreneurs, High Level Executives, Business Owners, and Investors come to share insight and ideas about the future of business. BRT 2.0 looks at the new trends in business, and how classic industries are evolving.  Common Topics Discussed: Business, Entrepreneurship, Investing, Stocks, Cannabis, Tech, Blockchain / Crypto, Real Estate, Legal, Sales, Charity, and more…  BRT Podcast Home Page: https://brt-show.libsyn.com/ ‘Best Of' BRT Podcast: Click Here BRT Podcast on Google: Click Here BRT Podcast on Spotify: Click Here                    More Info: https://www.economicknight.com/podcast-brt-home/ KFNX Info: https://1100kfnx.com/weekend-featured-shows/   Disclaimer: The views and opinions expressed in this program are those of the Hosts, Guests and Speakers, and do not necessarily reflect the views or positions of any entities they represent (or affiliates, members, managers, employees or partners), or any Station, Podcast Platform, Website or Social Media that this show may air on. All information provided is for educational and entertainment purposes. Nothing said on this program should be considered advice or recommendations in: business, legal, real estate, crypto, tax accounting, investment, etc. Always seek the advice of a professional in all business ventures, including but not limited to: investments, tax, loans, legal, accounting, real estate, crypto, contracts, sales, marketing, other business arrangements, etc.

For years, the best and brightest in the financial world have debated what the most sustainable portfolio withdrawal rate is. In this episode, Carson and Myles discuss what this rate is and exactly how it works. At the end of the day, financial planning is an art not a science and this is where our team can help!

(4/20/22) The Q1 Earnings Parade continues; the conundrum for Netflix, bundling vs a la carte--it's an issue of too many providers for a paucity of quality content. What's really important this earnings season is what companies will be saying about forward guidance. A 20% correction is not impossible. QE vs QT: Quantitative Easing did not cause inflation--"free" money from the Government did. You wanna avoid paying taxes, or make money? Taxes are bound to go up to finance government debt. The strategic benefit of tax-loss harvesting: Pay it now or pay it later. Why the 4% Withdrawal Rate in financial planning is outdated. Why $1-mil isn't going to generate enough income in retirement. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Advisor, Danny Ratliff, CFP. SEG-1: Netflix, Bundling vs a la cart, Over-crowded space SEG-2: QE vs QT; What's Really Important this Earnings Season SEG-3: Paying taxes, Now or Later SEG-4: Why the 4% Withdrawal Rule is Outdated -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=XZYHgffypuU&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Our Latest "Three Minutes on Markets & Money: Here's What to Look for In Earnings Reports" https://www.youtube.com/watch?v=35BuZ_dVKN0&list=PLVT8LcWPeAujOhIFDH3jRhuLDpscQaq16&index=1 -------- Our previous show, "Is a Bear Market Lurking?" is here: https://www.youtube.com/watch?v=TqOuIIOnYKA&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Articles mentioned in this podcast: https://realinvestmentadvice.com/is-a-bear-market-lurking/ -------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to RIA Pro: https://riapro.net/home -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #CorporateEarnings #ForwardGuidance #Netflix, #QuantitativeEasing #QuantitativeTightening #Inflation #Deflation #TaxLossHarvesting #FinancialPlanning #Markets #Money #Investing

(4/20/22) The Q1 Earnings Parade continues; the conundrum for Netflix, bundling vs a la carte--it's an issue of too many providers for a paucity of quality content. What's really important this earnings season is what companies will be saying about forward guidance. A 20% correction is not impossible. QE vs QT: Quantitative Easing did not cause inflation--"free" money from the Government did. You wanna avoid paying taxes, or make money? Taxes are bound to go up to finance government debt. The strategic benefit of tax-loss harvesting: Pay it now or pay it later. Why the 4% Withdrawal Rate in financial planning is outdated. Why $1-mil isn't going to generate enough income in retirement. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Advisor, Danny Ratliff, CFP. SEG-1: Netflix, Bundling vs a la cart, Over-crowded space SEG-2: QE vs QT; What's Really Important this Earnings Season SEG-3: Paying taxes, Now or Later SEG-4: Why the 4% Withdrawal Rule is Outdated -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=XZYHgffypuU&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Our Latest "Three Minutes on Markets & Money: Here's What to Look for In Earnings Reports" https://www.youtube.com/watch?v=35BuZ_dVKN0&list=PLVT8LcWPeAujOhIFDH3jRhuLDpscQaq16&index=1 -------- Our previous show, "Is a Bear Market Lurking?" is here: https://www.youtube.com/watch?v=TqOuIIOnYKA&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Articles mentioned in this podcast: https://realinvestmentadvice.com/is-a-bear-market-lurking/ -------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to RIA Pro: https://riapro.net/home -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #CorporateEarnings #ForwardGuidance #Netflix, #QuantitativeEasing #QuantitativeTightening #Inflation

The 4% Safe Withdrawal Rule was created as a guideline for how much you can withdraw from your portfolio in each year of retirement without running out of money. In an ideal world, following the 4% rule would allow you to plan your retirement cash flows in a way that ensures your investments can support you throughout retirement. But as with all generalizations, the 4% rule comes with both advantages and disadvantages. Today we're exploring how the 4% rule came to be and whether it's still valid for Canadian investors in 2022. Keith is joined by his colleague, Lawrence Greenberg, who is part of our next-generation advisory team. Together, they discuss the intricacies of this financial theory and whether or not it is applicable in all economic environments. Key Topics: Why we're discussing the 4% safe withdrawal rule (1:47) The meaning and origin of the 4% rule (2:25) Modifying the 4% rule for early or late retirement (6:14) Why the 4% rule has become a fascinating concept for Canadian investors (7:26) What the research tells us about the retirement readiness of the average Canadian (8:43) Your burn rate versus the 4% rule (10:40) The benefits of figuring out your burn rate (13:55) Why the 4% rule needs to be adjusted in the current market landscape (15:12) The impact of current stock valuations and bond yields on future safe withdrawal rates (16:08) Critical factors that are not accounted for under the 4% rule (17:34) Variable withdrawal rates (19:04) One of the main criticisms of the 4% rule (21:06) Our approach to planning retirement cash flows (22:18) The three stages of retirement spending (23:23) Our key takeaways (25:49) And much more! Thanks for Listening! Be sure to subscribe on https://podcasts.apple.com/us/podcast/the-empowered-investor/id1508663970 (Apple), https://podcasts.google.com/?feed=aHR0cHM6Ly9mZWVkcy5jYXB0aXZhdGUuZm0vdGhlLWVtcG93ZXJlZC1pbnZlc3Rvci8 (Google), https://open.spotify.com/show/1mBnYMtqkbGqP2xyEThAUc (Spotify), or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112 Follow Tulett, Matthews & Associates on social media on https://www.linkedin.com/company/tulett-matthews-&-associates-inc/ (LinkedIn), https://www.facebook.com/TulettMatthewsAssociates/ (Facebook), and more! Follow The Empowered Investor on https://www.facebook.com/theempoweredinvestor/ (Facebook), https://www.linkedin.com/company/theempoweredinvestor/ (LinkedIn), and https://www.instagram.com/theempoweredinvestor/ (Instagram)

Fritz Gilbert rethinks the 4% rule. This is part 2 of 2. Episode 1787: [Part 2] Rethinking the 4 Percent Safe Withdrawal Rule by Fritz Gilbert of The Retirement Manifesto Fritz Gilbert retired at age 55 after a 33-year career in the global aluminum industry. His award-winning blog, The Retirement Manifesto, is focused on helping people achieve a great retirement. The blog follows his journey from 3 years prior to retirement through his first 2+ years of living in retirement and focuses on both the financial and non-aspects required to live a great life in retirement. Follow him at his blog, TheRetirementManifesto, or on Twitter and Facebook. The original post is located here: https://www.theretirementmanifesto.com/rethinking-the-4-safe-withdrawal-rule/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Fritz Gilbert rethinks the 4% rule. This is part 2 of 2. Episode 1787: [Part 2] Rethinking the 4 Percent Safe Withdrawal Rule by Fritz Gilbert of The Retirement Manifesto Fritz Gilbert retired at age 55 after a 33-year career in the global aluminum industry. His award-winning blog, The Retirement Manifesto, is focused on helping people achieve a great retirement. The blog follows his journey from 3 years prior to retirement through his first 2+ years of living in retirement and focuses on both the financial and non-aspects required to live a great life in retirement. Follow him at his blog, TheRetirementManifesto, or on Twitter and Facebook. The original post is located here: https://www.theretirementmanifesto.com/rethinking-the-4-safe-withdrawal-rule/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Fritz Gilbert rethinks the 4% rule. This is part 2 of 2. Episode 1787: [Part 2] Rethinking the 4 Percent Safe Withdrawal Rule by Fritz Gilbert of The Retirement Manifesto Fritz Gilbert retired at age 55 after a 33-year career in the global aluminum industry. His award-winning blog, The Retirement Manifesto, is focused on helping people achieve a great retirement. The blog follows his journey from 3 years prior to retirement through his first 2+ years of living in retirement and focuses on both the financial and non-aspects required to live a great life in retirement. Follow him at his blog, TheRetirementManifesto, or on Twitter and Facebook. The original post is located here: https://www.theretirementmanifesto.com/rethinking-the-4-safe-withdrawal-rule/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Fritz Gilbert rethinks the 4% rule. This is part 1 of 2. Episode 1786: [Part 1] Rethinking the 4 Percent Safe Withdrawal Rule by Fritz Gilbert of The Retirement Manifesto Fritz Gilbert retired at age 55 after a 33-year career in the global aluminum industry. His award-winning blog, The Retirement Manifesto, is focused on helping people achieve a great retirement. The blog follows his journey from 3 years prior to retirement through his first 2+ years of living in retirement and focuses on both the financial and non-aspects required to live a great life in retirement. Follow him at his blog, TheRetirementManifesto, or on Twitter and Facebook. The original post is located here: https://www.theretirementmanifesto.com/rethinking-the-4-safe-withdrawal-rule/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Fritz Gilbert rethinks the 4% rule. This is part 1 of 2. Episode 1786: [Part 1] Rethinking the 4 Percent Safe Withdrawal Rule by Fritz Gilbert of The Retirement Manifesto Fritz Gilbert retired at age 55 after a 33-year career in the global aluminum industry. His award-winning blog, The Retirement Manifesto, is focused on helping people achieve a great retirement. The blog follows his journey from 3 years prior to retirement through his first 2+ years of living in retirement and focuses on both the financial and non-aspects required to live a great life in retirement. Follow him at his blog, TheRetirementManifesto, or on Twitter and Facebook. The original post is located here: https://www.theretirementmanifesto.com/rethinking-the-4-safe-withdrawal-rule/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Fritz Gilbert rethinks the 4% rule. This is part 1 of 2. Episode 1786: [Part 1] Rethinking the 4 Percent Safe Withdrawal Rule by Fritz Gilbert of The Retirement Manifesto Fritz Gilbert retired at age 55 after a 33-year career in the global aluminum industry. His award-winning blog, The Retirement Manifesto, is focused on helping people achieve a great retirement. The blog follows his journey from 3 years prior to retirement through his first 2+ years of living in retirement and focuses on both the financial and non-aspects required to live a great life in retirement. Follow him at his blog, TheRetirementManifesto, or on Twitter and Facebook. The original post is located here: https://www.theretirementmanifesto.com/rethinking-the-4-safe-withdrawal-rule/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Listener Question How do immigrants should strategize investing when there is a real possibility of going back to home country because of work visa denial? Should we continue to invest in the states or invest offshore where we would retire? Thank you. I have been living in the United States for 11 plus years now. Because I am an immigrant, I did not invest in 401k until 2015. But again, I was just contributing 6% to get employer match. I started my financial independence journey a year back. I maxed my 401k, contributed to Roth IRA. Thank you for the wonderful podcast to inspire millions of listeners.  Guest Interview Connect with Ashley Murphy, CFP®, AIF® Arete Wealth Strategists Global Financial Planning Institute  Planning Points Discussed Tax Planning Retirement Planning Purchasing Power Other issues (IRAs, Inflation, Financial Goals) Timestamps: 2:00 - Introduction to Guest Interview 5:30 - International v. Cross-Border Financial Planning 8:27 - Every Country is Different 7:00 - Why the 4% Withdrawal Rule is Conservative 8:00 - When Can I Ensure I Can Retire? 12:30 - Tax Implications  13:00 - Foreign Tax Credits 17:37 - Roth IRAs for Dual Citizens 22:00 - How to Avoid Pitfalls 22:51 - PFIC (Passive Foreign Investment Company) 28:30 - Overview   LET'S CONNECT! James Facebook LinkedIn Website Scott Facebook Twitter Website ENJOY THE SHOW? Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play. Leave us a review on iTunes. Have a money question you want us to answer? Submit one here

What is a sustainable withdrawal rate in retirement? To put it in simple terms, it depends. Today we explain where the 4% withdrawal rate comes from and how it may apply to you and your ability to retire without worry. From new investors to those more well-seasoned, we discuss which factors you should consider when deciding what withdrawal rate will ensure you have a comfortable retirement. Planning Points Discussed Tax Planning Retirement Planning Capital Preservation Rule Purchasing Power Other issues (IRAs, Inflation, Financial Goals) Timestamps: 2:00 - Overview of Withdraw Rates 2:30 - What is the 4% Withdrawal Rate? 4:00 - Success Rates of Retirement  7:00 - Why the 4% Withdrawal Rule is Conservative 8:00 - When Can I Ensure I Can Retire? 11:21 - Capital Preservation Rule 14:45 - What Is A Sustainable Growth Rate For Me? 20:10 - The Mix of Growth & Income Assets In Retirement   LET'S CONNECT! James Facebook LinkedIn Website Scott Facebook Twitter Website ENJOY THE SHOW? Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play. Leave us a review on iTunes. Have a money question you want us to answer? Submit one here

In this podcast I will answer the question: What are the benefits and limitations to the 4% withdrawal rule for retirement planning? The rule of guideline came out in the 1990s. It states that if a retiree withdrew 4% of their initial retirement savings per year, their savings would last them for 30 years. The withdrawals would increase over time to adjust for inflation. This was based on a very aggressive 70% stock portfolio at a time of fairly high stock returns. Most retirees I know would not have held this aggressive of a portfolio during the last 10 years This 4% rule has been used as a rule of thumb for many people to estimate how much savings they need at retirement given their current spending. However, it is just that, a rule of thumb, a rough guide to achieve a target amount. I like this guideline for a quick estimate – for a very rough estimate. If someone would like to have about $80k/yr from their investments, they would need to have about $2M saved up. At 3% $2M will provide $60k/yr. This is useful to know, it is a good starting point and a good double check to other retirement projections. Of course, there are many limitations to this simple estimation, including the following. One of the primary limitations is that a flat withdrawal rate does not take into account any changes in cash flow needs for health, travel, vehicles, inheritance, pension, social security or other future cash flows. Some of these needs are unforseen but many are not. There are many people who need more of their savings upfront and less as other cash sources begin. Some would like to travel or spend more in the begining of retirement and reduce spending with time. The tax results of your withdrawals could impact the effective return. If your investments are primarily in IRAs or accounts where you will need to pay income taxes on the amount you withdrawal, that will reduce the amount you have to spend. If there are large capital gains to pay that will also impact the net amount (alter taxes) that you have to use. How conserviative (or agressive) is your portfolio is another factor and how accepting you are if the market goes down significantly. People can underperform the market significantly by selling when things to not look good and the market goes down and buying when everything is positive and the market is up. The rule does not provide flexibility to change withdrawals and projects based on actual investment performance. In conclution, the 4% rule provides a nice easy estimate but a more detailed plan should be used and updated regularly to project how your long term spending and retirement will work out. I plan to offer the speadsheet that I use with clients free; however, I need some time to get it ready for general use. I appreciate your feedback, comments and questions.  You can contact me on facebook, email me (bill@aiofinancial.com), or call 520-325-0769 Bill Holliday is a Certified Financial Planner with AIO Financial.  Please contact us at (520) 325-0769

With interest rates at the lowest they have been in 200 years; is the 4% retirement income withdrawal rule dated? Experts say past investment results cannot predict future returns; is that important? What are the rules around withdrawal percentages and what is a safe amount for you to consider? This and More Today on ThinkSmart!

In this episode we discuss the 4% withdrawal rate rule, and the multiply by 25 rule.

In this weeks episode of the On The Money Podcast you'll find out what you should do if your income in retirement is just not enough? You'll find out: - How income planning is dramatically different now than it was back in 2000 and why you can't use the strategies your parents and grandparents used anymore.- Why the 4% Withdrawal Rule is now plain OBSOLETE! - Why the 60% stock/ 40% bond investment strategy is outdated and the simple 2 investment toolbox strategy that you should use instead. Resources In Today's Episode: - Schedule Your Complimentary On The Money 5-Step Retirement Review by calling 1.800.245.0546 - Check out our website: Group 10 Financial/ - Follow us on Facebook - Follow us on Twitter Disclaimer

Total Wealth Radio from Saturday, March 17th, 2018

Zero Balance Budgeting. Jack Bogle Investment Philosophy. 4% Withdrawal Rule. Renting is throwing away money...Right?. Early Retirement (Mr. Money Mustache).

Pat and Jen will go into detail on what the 4% rule is; why it’s broken; and the successful strategies that people are using today to ensure they never run out of money in retirement. Many financial advisors have been touting the 4% rule as a staple for safely withdrawing income in retirement. Today’s experts disagree! If your retirement plan depends on this outdated rule of thumb, you could be headed for trouble!

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What do retirement planning professionals from Vanguard have to say about retirement topics like the 4% rule? In today’s podcast I interview two investment analysts at Vanguard with over 35 years of combined experience – Maria Bruno, CFP and Colleen Jaconetti, CFP. We talk about everything from the 4% rule to portfolio balancing issues to […] The post 4% Retirement Withdrawal Rule–An Interview with Vanguard’s Maria Bruno and Colleen Jaconetti appeared first on The Dough Roller.