Safemax Withdrawal Rate

How much can you safely withdraw in retirement without running out of money? While the 4% rule is a good starting point, research by Bill Bengen—and tools like Monte Carlo simulations—help us build smarter, more personalized plans. At Whitaker-Myers, we go further by using strategies like rebalancing, managing sequence of return risk, and diversifying into non-correlated assets to help your retirement income last as long as you do.

Sequence of return risk—the timing of investment returns near retirement—can significantly impact portfolio longevity. Losses early in retirement are far more damaging than losses later. Investors approaching the “Retirement Red Zone” should reduce risk exposure and consider tools like income annuities, buffer assets, and diversified portfolios. A trusted financial advisor can help build a plan to retire with confidence and stability.