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Will your savings last throughout your retirement? It’s a simple question — but one with weighty implications.

When you make decisions in retirement, everything is connected. A single choice — when to claim Social Security, how much to withdraw from your portfolio, whether to move to a lower-tax state — ripples across the rest of your finances.

You’ve worked hard and been a diligent saver over the last few decades. Hopefully, this means your retirement income plan looks better than ever, and you’re well on your way to a comfortable retirement. However, just because you stop getting a paycheck in retirement doesn’t mean you’ll stop paying taxes on your earnings. Depending on your income, the annual tax hit could leave a big dent in your plans.

Inflation-Proofing Your Portfolio: How to Protect Your Investments from Rising Prices

One of the biggest fears many retirees face isn’t death — it’s running out of money during retirement. And they’re not alone. According to the 2024 Annual Retirement Study from Allianz Life Insurance Company, two-thirds of Americans worry about outliving their savings.1
It’s a valid concern, but here’s the good news: with the right withdrawal strategy, you can design a roadmap for your retirement funds and help ensure your savings last a lifetime.
In this article, we’ll explore two common strategies (the 4% rule and retirement income guardrails), along with their pros and cons, so you and your wealth advisor can choose the one that’s best for your situation.

Recently Wealth Advisor Jeff Clark was featured by MoneyGeek.com to provide some expert insights on compound interest. CLICK HERE to see the article and use the MoneyGeek.com Compound Interest calculator.

As you enter your peak earning years, it’s easy to get trapped by a short-term perspective on taxes.