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Keys to Nailing Withdrawal Rate Conversation with Clients
Manage episode 485437193 series 3653379
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Today’s episode goes beyond the 4% rule to uncover the real concerns behind client questions like, “How much can I safely spend in retirement?” We explore the origins of sustainable withdrawal strategies, from Bengen’s 1994 research to Guyton’s Guardrails, and show how dynamic approaches can ease anxiety and build confidence. Most clients aren’t overspending—they’re underspending out of fear. Learn how to communicate the why behind the numbers and help clients make empowered, informed choices.
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Advisory services are offered through Root Financial Partners, LLC, an SEC registered investment adviser. This content is for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Root does not provide tax preparation or legal services. Always consult your CPA or attorney about your specific situation.
Viewing this video does not create an advisory relationship. We provide advisory services only through a written agreement.
The strategies discussed may not be appropriate for all viewers. Hypothetical examples based on historical research are for illustration only and do not guarantee future results. All investing involves risk, including the potential loss of principal.
Comments on this video reflect the views of individual commenters and do not necessarily represent the views of Root Financial. Comments should not be considered testimonials or endorsements. Root does not verify comment accuracy and is not responsible for their content.
Chapters
1. The Problem with Standard Advisor Responses (00:00:00)
2. Software As A Tool (00:02:02)
3. Understanding the 4% Rule Research (00:03:34)
4. Worst-Case Scenarios in Market History (00:06:25)
5. Painting The Picture (00:08:43)
6. Protecting Against Regret (00:11:54)
7. Beyond Static Approaches: Portfolio Flexibility (00:13:43)
8. Taking A Dynamic Approach (00:14:20)
9. What You Should Read (00:16:57)
10. Confidence Building (00:17:30)
11. Isolating Variables for Client Clarity (00:19:52)
12. Final Thoughts & Disclaimer (00:22:02)
8 episodes
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