Decumulation Planning

Imagine your retirement journey as climbing Mount Everest. The peak represents your retirement date – a moment of achievement, but also where the risks intensify.

Are you looking to get the most out of your retirement nest egg? Required Minimum Distributions (RMDs) offer a strategy worth exploring.

Most retirement studies focus on US data. But what happens when we consider how portfolios might perform under the worst economic conditions, not just the American experience?

You want a retirement income strategy that will last your lifetime, but what’s the best method of achieving that?

You have numerous options for creating the right income strategy for you, but if you’re simply taking withdrawals from your investment portfolio, you don’t have a strategy.

Where does your hesitancy to spend come from? Is it driven by need or by emotions of your past that are still holding you back from a bigger future?

What's your ideal withdrawal rate in retirement? Many experts agree with the four percent rule, while some say higher or lower. On a recent episode of The Ramsey Show, however, Dave Ramsey advocated for an eight percent withdrawal rate in a 100 percent stock portfolio.

You may find – like many of the families we meet with – that the distribution phase of retirement is often the most challenging. However, it can be greatly simplified by focusing on a handful of key risks.

Figuring out how much money you need for retirement can feel daunting. Here, past podcast guest David Blanchett explores a study conducted by The Alliance for Lifetime Income, which reveals changing attitudes and behaviors toward retirement security.

If you’re like many successful investors or the “millionaire next door”, you’re hardwired to save instead of spend. Reframing your mindset won’t be automatic, but learning to embrace spending your money on what matters most to you is priceless.

he manner in which you spend throughout retirement isn’t static, nor is it always consistent with inflation. As past podcast guest, David Blanchett, has found, it’s much more complex than that.

The transition from accumulation to decumulation mode can be one of the biggest challenges for retirees. In addition to requiring a mindset shift, it also presents unique obstacles that should be considered as part of your retirement planning process.