I'm Retired
Many retirees have concerns about their money lasting a lifetime while others want to leave a legacy. Travel, friends, children or grandchildren are central concerns for many.
We listen to you. We have the years of experience to assist you in putting the odds of success deeply in your favor using customized, low cost solutions.
Some Interesting Numbers:
60-40.
This famous stock bond mix became famous because it works. Too much fixed income can increase your odds of running out of money; too little and volatility might overwhelm you.
4.5%.
This is the annual withdrawal rate academic research indicates you can comfortably use in retirement to minimizing the chances of your portfolio going to $0 before the end of 30 years.
If one is willing to make adjustments to spending based on market performance (including increases in spending!) higher initial withdrawal rates have also been shown to work.