In this Q&A session, Tori and Nick sit down with Connie to answer real questions about how our firm approaches retirement withdrawals using a risk-based guardrail strategy. Watch this podcast to gain a fuller understanding of how our dynamic withdrawal approach works, how it adapts to market conditions, and why it gives retirees more clarity and confidence without relying on rigid rules of thumb.

Some topics covered:

What are guardrails and how do they work?

How do we adjust withdrawals during market ups and downs?

Why flexibility matters more than precision.

Whether you’re approaching retirement or already in it, this conversation will give you a clearer picture of how we help clients enjoy their money—without the fear of running out.

How will I handle market drawdowns in retirement? This is a question we hear often. People want to know what their retirement plan will do when the market takes a downturn. They want to know what their plan will be. Will they have a bucket of money sitting somewhere? Will they make adjustments to their portfolio?

One question we hear often is “Will my SS be taxed?” When you retire and begin taking your SS benefits, will the government want to tax that? After all, haven’t you already paid taxes on this money?

Add to that—there’s been some talk about NOT taxing SS benefits at all! How might that impact your retirement? And is it as good as it sounds?