Uploaded May 2026 | Updated September 2026, 3 weeks ago
The old 4% rule isn’t wrong—but blindly following it could mean underspending and missing out on life. A $2M portfolio might support $80K a year, but with a flexible strategy like spending guardrails, you could safely enjoy more in good markets and scale back when needed. Retirement isn’t static, so your income plan shouldn’t be either. The goal isn’t just to avoid running out of money—it’s to actually use it.
Follow my page for clear, no-fluff financial planning steps!
Visit for more - wealthrb.com
Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
#CFP #Financialplanner #retirement #retirementincome #IRS #retirementfinancialplanning
The old 4% rule isn’t wrong—but blindly following it could mean underspending and missing out on life. A $2M portfolio might support $80K a year, but with a flexible strategy like spending guardrails, you could safely enjoy more in good markets and scale back when needed. Retirement isn’t static, so your income plan shouldn’t be either. The goal isn’t just to avoid running out of money—it’s to actually use it.
Follow my page for clear, no-fluff financial planning steps!
Visit for more - wealthrb.com
Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
#CFP #Financialplanner #retirement #retirementincome #IRS #retirementfinancialplanning
