Why the 4% Rule No Longer Works for Retirement

Brad breaks down why the traditional 4% rule for retirement withdrawals may no longer be reliable in today’s financial climate, citing longer lifespans, market volatility, low interest rates, and inflation as key challenges. He introduces a more adaptive strategy that combines market investments for growth with annuities featuring income riders for guaranteed lifetime income. By structuring retirement income to cover essential expenses through stable sources like Social Security and annuities—while leaving discretionary spending to market-driven investments—Brad offers a flexible, secure approach aimed at protecting retirees from outliving their money.