4% Rule is Dead: Here’s What Retirement Experts Use Instead

The 4% rule said you could safely withdraw 4% from your portfolio each year in retirement, adjusted for inflation, without running out of money. But is that still true?

In today’s video, Brandon Clark, CFP®, CPWA®, walks you through why the 4% rule may no longer apply—and what retirement planners are using instead.

We’ll cover the history of the 4% rule, why it was designed for worst-case scenarios, and how dynamic strategies like the Guardrails Method can help you spend confidently without sacrificing your future.

📌 Chapters:
00:00 – Introduction
1:08 – What is the 4% Rule?
2:08 – Where It Falls Short Today
2:46 – How Most People Underspend
6:06 – Introducing the Guardrails Strategy
7:05 – Why Flexible Spending Beats Static Rules
7:58 – What It Looks Like in Real Retirement

If you're nearing retirement and want to make sure you're spending the right amount—at the right time—schedule a free call with our team.

Morningstar article:

1) https://www.morningstar.com/retiremen...

2) https://www.morningstar.com/retiremen...

🔗 Schedule a call with our team here: https://form.typeform.com/to/S4P7E4Ie

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The Clark Group Asset Management is a registered investment adviser. The information discussed in these videos should NOT be taken as tax, legal, or investment advice. Please consult the appropriate professionals for each topic.