Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planning.

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Most people nearing retirement have heard of the famous "4% rule," but few actually understand how to apply it to a shifting financial landscape. It’s easy to look at a static portfolio balance and assume you're set, only to close your eyes to the real-world friction of pre-tax calculations, health insurance gaps, and compounding inflation.

In this episode, Scott and Nick break down the framework for mapping out a realistic 10-year retirement runway. They break down a case study of a client balancing a multi-million-dollar portfolio and walk through the math of safe withdrawal rates without draining your security. They discuss the "smile" of retirement spending, the operational hazard of drawing entirely from pre-tax IRAs, and why setting flexible guardrails is the key to tuning out day-to-day market volatility.

You don’t just want to focus on hitting a random number you read in an article. You want to understand what that number has to support and where the cash flow actually comes from.

If you’ve been wondering how to prepare for shifts in retirement spending over time, you’ll want to tune in! The episode focuses on building a dynamic strategy that lets you live a fulfilled life today, without running into the danger zone tomorrow.

Ready to learn more?

• Scott Frank on LinkedIn
• Stone Steps Financial
• Nick Covyeau on LinkedIn
• Swell Financial

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Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial.