Ep 93: Withdrawals That Work: The Risk-Based Guardrails Q&A Session!
In this Q&A session, Tori and Nick sit down with Connie to answer real questions about how our firm approaches retirement withdrawals using a risk-based guardrail strategy. Listen to this podcast to gain a fuller understanding of how our dynamic withdrawal approach works, how it adapts to market conditions, and why it gives retirees more clarity and confidence without relying on rigid rules of thumb.
Some topics covered:
What are guardrails and how do they work?
How do we adjust withdrawals during market ups and downs?
Why flexibility matters more than precision
Whether you’re approaching retirement or already in it, this conversation will give you a clearer picture of how we help clients enjoy their money—without the fear of running out.
If you have questions, you can always reach out at hello@brindleandbay.com.
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In this episode:
[1:07] What are the basics of Risk-Based Guardrails?
[7:57] Do I need to worry about adjusting my withdrawals every year or is it automatic?
[10:43] What if I hit a lower guardrail? Will I have to cut my spending significantly?
[14:10] What if the market crashes right after I retire? Will I have to reduce my spending immediately?
[15:37] What kind of market return assumptions are built into the strategy?
[17:12] What happens if inflation is high? Will my guardrails adjust for that?
[19:09] What type of investments work best for this strategy?
[20:02} Are guardrails better than an annuity for guaranteed income?
[22:44] How do I plan for large one-time expenses within this system?
[23:51] Will this system allow me to leave an inheritance if that is a priority?
[27:14] How does this system work for someone with an irregular income such as rental properties?