You'll often find me under a barbell at CrossFit Garage, taking in a show at Woodstock Arts, or vacuuming up my golden retriever's fur. I've spent more money on vacuums than I ever thought possible. I'm an Autumn, so I'll be the one in olive, never black.
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Last year my client paid for two weddings. Both daughters, same year. He was glad to do it.
Then he started budgeting.
This is a man who spent three decades at one company and has a seven figure 401(k) to show for it. And he was sitting there deciding what to cut. Eat out less. Put off the truck.
He didn't have a spending problem. He had an order-of-operations problem. He had been deferring every decision about those retirement accounts, planning to deal with it when he had to, and waiting was quietly expensive.
So I showed him a different order to take the money out.
He stopped tightening his belt. His nest egg is protected, he is doing the things he actually wants to do, and he will keep tens of thousands more of his own money over his lifetime.
He earned it. Now he gets to spend it.
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404-895-0937
220 Heritage Walk
Suite 116
Woodstock, GA 30115
My best client won't pick up. He's mid project at the family cabin on Lake Superior. But he calls right back. Each summer he takes his wife somewhere new. This year, Italy. Retired engineer, married twin daughters, a grandchild coming. A legacy for all.
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As a proper Southern mom, Jackie was not going to skimp on her daughter's wedding. She wanted to withdraw about 7% of her beginning portfolio value last year ($190,000) to support her plans. Investment growth more than replenished those withdrawals, leaving her $206,000 ahead of where she started.
Retirement planning isn't about applying one static withdrawal rate rule every single year. It's about guardrails. In a strong year, a portfolio can absorb more spending while still remaining well within the boundaries of the plan. And if markets or the plan move in the other direction, that’s when the guardrails tell us it may be time to adjust.
Rather than imposing an arbitrary spending limit, I use retirement guardrails to determine how much the portfolio can support and when spending should be adjusted.
I'm a good referral for the mother of the bride. When her daughter comes out of the fitting room, beaming, "Mom, this is my dress," all she wants is the luxury of an unclouded yes. Ask On a scale of Pinterest board to full meltdown, how's the planning going?
Melissa Moss
InfoMinute
Financial Services | Investment
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