Retirement Radio

In this episode of Safer Retirement Radio, Brian Decker and Brad Geddes, CFP(R) discuss one of the most important questions in retirement planning: “How much income can I safely draw?” Rather than relying on rules of thumb or broad simulations, they explain how a math-based, distribution-first plan helps determine how much income a retiree may be able to take—year by year—while reducing the risk of running out too soon. Brian and Brad walk through: Why many retirees under-spend out of uncertainty The potential risks of drawing income from fluctuating accounts, especially during down markets How laddered principal-guaranteed accounts can help provide stability in income planning Why the traditional 4% rule may fall short during flat or volatile market cycles How pensions, Social Security timing, and rental income can be analyzed mathematically How inflation considerations (COLAs, real estate, conservative return assumptions, and the risk bucket) may be incorporated into a retirement income plan What r