The hardest part of retirement isn’t saving the money. It’s knowing how to withdraw income for 30+ years without constantly worrying about market swings, taxes, or running out too soon.
In this episode of The Perfect Retirement Plan?, Phillip Smith breaks down retirement withdrawal strategies that work in real life, not just on paper. We unpack why the popular 4% rule became so appealing, where it falls short, and how dynamic withdrawal strategies with guardrails can help retirees adapt through market volatility, changing tax rules, and different phases of retirement.
This conversation is especially relevant if you’re about to retire, recently retired, or retiring in Oregon, and wondering:
• How much can I safely withdraw each year?
• What happens if markets drop early in retirement?
• How do taxes and account types affect withdrawals?
• Is there a better approach than a fixed withdrawal rate?
Rather than relying on rigid rules, this episode shows how flexibility, planning ahead, and behavior-aware strategies can create more durable retirement income.
Episode Chapters
00:00 – Why withdrawing money is harder than saving it
02:07 – The rise (and limits) of the 4% rule
05:13 – Sequence of returns risk explained simply
08:21 – What dynamic withdrawal strategies really mean
09:42 – Income guardrails and how they work
13:18 – Why guardrails can support higher starting income
15:49 – Taxes, account types, and income sourcing
17:17 – Adjusting withdrawals through retirement phases
18:16 – Practical action steps for retirees
More retirement planning resources at TidepoolWealth.com and on YouTube @TidepoolWealth.
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Thanks for tuning in to this episode of The Perfect Retirement Plan, and remember: it's not about having the smartest financial advisor, the most money saved, or the highest probability of retirement success. The perfect retirement plan, for you – is the one you act on.
Phillip Smith, CRPC AIF | Financial Planner
Tidepool Wealth Strategies
450 Country Club Road, Suite 350 | Eugene, OR | 97401
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Additional Disclosures:
The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.
All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.
