Is a 7% Withdrawal Rate Too Risky? Real Retirement Case Study скачать в хорошем качестве

Is a 7% Withdrawal Rate Too Risky? Real Retirement Case Study

➡️ Schedule your introductory appointment now: https://calendly.com/earlyretirementa... Tom and Marcia are 62 and 60 years old, have saved $2 million for retirement, and are ready to escape cold Michigan winters. But the big question is: Have they saved enough to retire comfortably? In this retirement case study, I analyze their retirement plan, social security strategy, withdrawal rates, and long-term sustainability using historical market simulations. I’ll walk through their ideal $12,000/month retirement budget, portfolio withdrawal risks, and what their projected legacy could look like after 35 years. You’ll also learn why delaying Social Security can increase lifetime income, how a 7% withdrawal rate compares to the classic 4% rule, and whether this plan is too conservative—or leaving money on the table. 📌 Topics covered: Retirement income planning Social Security claiming strategy Withdrawal rate risk Monte Carlo retirement simulations Legacy projections How much can you safely spend in retirement If you want more real retirement case studies, subscribe and comment your scenario below. 00:00 – Introduction: Tom & Marcia’s Retirement Scenario 00:45 – Overview of $2M Savings and Account Breakdown 01:09 – Social Security Benefits and Pension Overview 01:47 – $12,000/Month Retirement Spending Goal 02:29 – Retirement Cashflow Sources Explained 03:52 – Social Security Claiming Strategy (65 vs 70) 05:31 – Healthcare and ACA Planning Considerations 05:54 – Monte Carlo Risk Analysis Explained 07:02 – Retirement Success Probability Results (97%) 08:20 – Projected Legacy: $7.8M After 35 Years 09:41 – Are They Being Too Conservative? 10:09 – Withdrawal Rate Concerns (7% vs 4% Rule) 11:00 – Historical Withdrawal Rate Research 11:30+ – Portfolio Allocation & Sustainable Spending Discussion Retirement Advice, headquartered in Mapleton, Utah, is a fee-only financial planning firm that equips individuals with the knowledge, tools, and wisdom needed to retire on their terms confidently. Their holistic approach is rooted in transparency, open collaboration, and a client-first mindset. They can be reached by phone at (801) 228-0103, via email at info@earlyretirementadvice.com, or on the web at earlyretirementadvice.com. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. The information contained above is for illustrative, educational, and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon. You should consult your attorney or tax advisor. RETIREMENT ADVICE, LLC “RA” is a registered investment advisor offering advisory services in the State of UTAH and in other jurisdictions where exempt. Registration does not imply a certain level of skill or training. The information on this site is not intended as tax, accounting, or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. This information should not be relied upon as the sole factor in an investment-making decision. Past performance is no indication of future results. Investment in securities involves significant risk and has the potential for partial or complete loss of funds invested. It should not be assumed that any recommendations made will be profitable or equal any performance noted on this site. The information on this site is provided “AS IS” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable laws, RETIREMENT ADVICE, LLC disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, non-infringement, and suitability for a particular purpose.