Envision Financial Planning

The 4% withdrawal rule for retirees was born in 1994. Bond yields, lifespans, and valuations have changed. Should your withdrawal rate change too? Hear our take on guardrails, baselines, and how to stay flexible in retirement.

Rethinking Retirement Rules: Withdrawal Rates and Flexible Spending - Better Financial Health in 15 Minutes (or less!) The goal isn’t a magic number—it’s a plan that bends without breaking. We take a hard look at the classic 4 percent rule and explain why a pencil, not a tattoo, belongs next to your withdrawal rate in today’s world of longer lifespans, persistent ...