For decades, retirees have followed the guideline to withdraw 4% of their investment portfolio each year in retirement. This ...

Key Takeaways The 4% rule started as a research-based guideline for a 30-year retirement, not a promise that your money will last no matter what.​Longer retirements, lower expected returns, and rising ...

Salvatore M. Capizzi is executive vice president of Dunham & Associates Investment Counsel Inc., which has been challenging industry thinking for 40 years. He authored a whitepaper (“Is Our Industry ...

Many retirees are unprepared for the switch from saving to spending. Here’s how to turn your retirement savings into steady, ...

Everyone knows what a bucket list is: the list of things you want to do before you — to put it crudely — “kick the bucket.” Some bucket list items are inspiring, like reconnecting with family. Others ...

Learn how to fund your retirement cash bucket using appreciated assets, savings, and tax strategies before leaving the workforce. While most retirement portfolios include allocations to stocks and ...

Home Retirement Retirement Planning The Big Red Bucket Theory: A Financial Adviser's Simple Way to Visualize Your Retirement Plan When you think about retirement, picture a big red bucket brimming ...

Most people think retirement risk shows up late in life. They imagine it happening in their 80s or 90s—medical bills rising, ...