RetirePro Weekly · June 29, 2026
Why 4% Is Only Your Starting Line
💡 Tip of the Week
The 4% rule came from 30-year retirement studies with a 50/50 stock-bond mix. If you retire at 55 and need income for 40 years, most planners start at 3.25% to 3.5% instead. Sequence-of-returns risk makes the first five years critical. A 25% market drop in year one while taking $40,000 from a $1M account leaves far less room to recover. Run your own savings, Social Security, and spending numbers through RetirePro to test different rates against real market sequences before you decide.
🎯 Inside RetirePro
Compare the 4% rule, bucket strategy, and guardrails against your actual portfolio with full Monte Carlo backing.
Test My Withdrawal Rate →📰 Featured in this issue
Social Security COLA 2027: What to Expect and How to Plan Now
When is the 2027 Social Security COLA announced, how is it calculated, and what should retirees expect? Plus how to plan smartly no matter the final number.
Roth 401(k) vs. Traditional 401(k): Which Is Right for You?
Roth 401(k) vs. Traditional 401(k) explained for 2026. Compare the tax math, see who should pick each, and learn why many savers split contributions between both.
The Retirement Health Stack: 7 Habits That Save You 6 Figures in Healthcare Costs
The average couple spends $315,000+ on healthcare in retirement. The retirees who spend half that aren't lucky — they built a system. Here are the 7 health + financial habits that protect both your body and your portfolio.
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