A major reason not to set your retirement plan on autopilot: sequence of returns risk. A flexible strategy with cash reserves ...

I wrote last week about a recent article in Forbes (What Is the Sustainable Spending Rate for Retirees in 2016?) by Wade Pfau that adopts my suggestion (from 14 years ago) that a valuation adjustment ...

If you’re someone who is comfortable with more variability, you can arguably take more from your portfolio initially. If someone is legacy-minded, they definitely want to be thinking about a higher ...

The 4% rule for calculating portfolio withdrawals has been a tool advisors use to help clients plan for retirement since its inception in the 1990s. In that time, it's become perhaps the most ...

A recent paper has called into question the generally accepted rule that four percent is the amount you can safely withdraw from IRAs, 401(k) accounts, and retirement savings to generate reliable, ...

If you are actively spending from your portfolio and that portfolio has losses, that leaves less in place in the portfolio to recover and rebound when the market eventually does. Your plan will be ...

The 4% rule is designed to help your savings last for 30 years. It doesn't necessarily apply to anyone. A different withdrawal rate may better serve your needs. It's a strategy that's not guaranteed ...

Finding a financial advisor doesn't have to be hard. SmartAsset's free tool matches you with up to three fiduciary financial advisors that serve your area in minutes. Each advisor has been vetted by ...