Why Traditional Retirement Advice Is Wrong: Uncover the Truth!

Why Traditional Retirement Advice Is Wrong: Uncover the Truth!

Discover why traditional retirement rules like the 4% withdrawal rate and the 70-80% income replacement guideline might not be as reliable as once thought. JP Morgan's latest research uncovers new realities about retirement spending that challenge these long-standing beliefs. From the Lifetime Spending Curve to the Retirement Spending Surge and Spending Volatility, we explore how your spending habits evolve over time and what this means for your retirement nest egg.

Learn why planning for retirement goes beyond simple income replacement—it's about understanding how your spending patterns shift throughout different stages of life. Explore the real impact of inflation on your retirement savings and why overlooking healthcare costs could derail your financial plans.

We also delve into the significant spending spike that occurs right at retirement and the implications for your investment strategy. Whether you're fully retired or partially retired, understanding these nuances can make or break your financial security in retirement.

Additionally, discover why spending volatility is a critical factor to consider in your retirement planning journey. With nearly 80% of retirees experiencing substantial spending changes, it's clear that a dynamic approach is essential for long-term financial stability.

Stay tuned as we uncover actionable insights to help you optimize your retirement strategy and navigate these new spending realities. Don't forget to click the link below to schedule a consultation with our team if you need personalized advice tailored to your retirement goals.

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Our mission here at Theorem Wealth Management is to help diligent retirement focused savers achieve their dream retirement while reducing the stress caused by managing wealth.
- Johnathan Rankin CRPC® CEPA®, Founder & CEO
- Melissa Rankin - Wealth Management Advisor
- Theorem Wealth Management
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Disclaimer: Johnathan Rankin is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Theorem Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.