A Bad Year in the Market Hits Differently When You're Taking Withdrawals
Accumulation and distribution are two different games. This guide helps you stress-test your portfolio for the risks that actually matter in retirement.
What You'll Learn in This Guide
- Sequence of Returns Risk — why a 20% drop in year one of retirement can permanently reduce your portfolio's lifespan, even if markets recover quickly
- Sustainable Withdrawal Rates — the math behind the 4% rule, why it may be too aggressive (or too conservative) for your situation, and how to adjust for taxes
- Tax Diversification Across Accounts — how having money in pre-tax (IRA/401k), after-tax (Roth), and taxable accounts gives you withdrawal flexibility that reduces your lifetime tax bill
- Rebalancing in Retirement — why the strategy that worked during accumulation can backfire during distribution, and how to rebalance without triggering unnecessary taxes
- Income Floor Strategy — building a guaranteed income base with Social Security timing, pensions, and annuities so market volatility doesn't threaten your essential expenses
Written by Rich Ison
Fiduciary Retirement Planner
Rich builds retirement portfolios that account for taxes, income needs, and risk tolerance together — because managing investments without a withdrawal strategy is like driving without a destination.
What Our Clients Say
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This guide is for educational purposes only and does not constitute personalized investment advice. All investments involve risk, including loss of principal. Past performance does not guarantee future results. Consult a qualified financial professional for advice specific to your situation.
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This site is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or advisory service. All investments involve risk, including loss of principal. Past performance does not guarantee future results. Tax, legal, and estate planning information is general in nature. Consult a qualified professional for advice specific to your situation.
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