. While many people focus on accumulating assets for retirement, the transition from saving to spending is often one of the most challenging parts of the journey.

One of the most common questions we hear is: "How much can I safely withdraw from my investments without running out of money?" For years, the traditional answer was the 4% Rule. The idea is simple: withdraw 4% of your portfolio in your first year of retirement, then increase that amount each year for inflation. For example, a retiree with a $1 million portfolio would withdraw $40,000 in year one and then gradually increase that amount over time. While the 4% Rule is a helpfu