Retirement Spending Confidence - The guardrails withdrawal strategy

How do you know if you’re spending too much — or not nearly enough — in retirement?

In this episode of Summit Ascent Retirement, Dustin Rudolph, founder and president of Legacy Ascent Wealth, explains how a disciplined, rules-based withdrawal system can help retirees spend confidently, avoid overspending, and create opportunities for built-in income increases over time.

Many retirees don’t struggle because of poor market returns — they struggle because they don’t have a clear system for deciding how much they can safely spend. This episode introduces the Guyton Guardrails withdrawal approach, a flexible income strategy designed for retirees who want to enjoy their money without putting their long-term plan at risk.

You’ll learn:

Why flexible withdrawal strategies often lead to higher lifetime spending

How guardrails help prevent overspending while allowing income increases

Who this approach works best for — and who it may not be ideal for

How small, rules-based adjustments can improve confidence and sustainability

How income planning software can help monitor withdrawals and guide decisions

What retirement income might look like across different market environments

This episode is especially helpful for retirees who rely on investment accounts for income and want a clear, disciplined framework that adapts over time — without guessing or reacting emotionally to markets.

📺 Coming next: In Episode 4, we’ll explore age-based spending — why retirees naturally spend differently in their 60s, 70s, and 80s, and how income plans should evolve through each stage of retirement.

About Legacy Ascent Wealth
Legacy Ascent Wealth is a fiduciary advisory firm focused on retirement income planning, tax efficiency, and building legacies that last. Our goal is to help clients spend confidently, share generously, and create meaningful memories throughout retirement.

🔔 Subscribe to Summit Ascent Retirement for practical retirement planning insights.

Important Disclosure:
This content is for educational purposes only and is not individualized investment, tax, or legal advice. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Always consult with a qualified professional regarding your personal situation.

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