Beyond the 4% Rule: Modern Withdrawal Strategies for High-Net-Worth Retirees

Rethinking Distribution Approaches for Longer Retirements and Complex Portfolios For decades, the 4% rule has served as a simple reference point for retirement withdrawals. While it offered a starting framework, many retirees today find that its assumptions do not fully reflect longer life expectancies, changing market conditions, or the complexity of managing substantial assets. Modern retirement withdrawal strategies are increasingly focused on flexibility and coordination rather than fixed formulas. At Brogan Financial, we believe retirement income decisions are most effective when they are grounded in a comprehensive planning process. By evaluating withdrawal strategies within the broader context of investments, […]