Concepts You Need to Know
Sequence of returns risk
Retiring into a market downturn while withdrawing can permanently damage your portfolio. Two people with identical 30-year returns but different sequences can have dramatically different outcomes.
Social Security optimization
Delaying Social Security from 62 to 70 increases your benefit by ~77%. For married couples, coordinating strategies can maximize lifetime income by $100k+ vs claiming early.
4% rule
A guideline suggesting withdrawing 4% of your portfolio in year one, adjusted for inflation annually, has historically lasted 30 years. Not a guarantee, but a useful baseline.
Take Action Now
1
Create a Social Security projection at ssa.gov to see your options.2
Calculate your retirement income floor: Social Security + any pension + annuities.3
Model two scenarios with your advisor: retire at 62 vs 65 vs 67.Want a personalized plan?
Connect with a licensed agent who can apply these concepts to your specific numbers.
Access Your Client Portal