Retire With Style Podcast

The purpose of Retire With Style is to help you discover the retirement income plan that is right for you. The first step is to discover your retirement income personality. Your hosts Wade Pfau, PhD, CFA, RICP and Alex Murguia, PhD walk you through creating and implementing a retirement plan that will help you reach your goals, and that you’ll be able to stick with. Start by going to risaprofile.com/style and sign up to take the industry’s first financial personality tool for retirement planning.

Episode 33: More Reasons Why The 4% Rule May Still Be Too High

This episode concludes our three-part discussion on why the 4% sustainable withdrawal rate may be too ambitious as a retirement income planning assumption. In this episode, Wade and Alex get into how taxes, your investment account types, the need for a m...

Episode 32: Three Key Reasons Why Investing for Dividends as a Retirement Income Strategy is a Mistake

Alex and Wade discuss 3 key reasons that point out the dangers of investing for dividends (or yield) as your "go-to" retirement income strategy. Listen to hear them breakdown how this strategy violates the 4% rule and other sustainable withdrawal strateg...

Why the 4% Rule May Be Too High – Part 1

Alex and Wade discuss a few potential reasons why the 4% rule for taking distributions from your investment portfolio may be unfounded in today’s environment. They discuss in-depth the impact of 3 major variables that may cause you to overshoot your amou...

Episode 30: Can We Assume the 4% Rule Provides A Safe Withdrawal Rate For Retirement Income?

Wade and Alex breakdown the origins of the 4% rule and how it set the stage for the foundation of many sustainable spending strategies. They also revisit some of the assumptions in the original study and point out areas for further consideration for your...

Episode 29: What are the Four Approaches to Managing Sequence Risk?

In order to set up an investment-driven spending strategy in retirement, you need to understand the timing of your potential market returns. In this episode, Wade and Alex discuss four ways you can manage this timing risk. Listen to this episode to find ...

Episode 28: Understanding The Mechanics of Any Retirement Spending Strategy

Before discussing the many sustainable spending strategies that are out there, Wade and Alex breakdown the essential characteristics that they all have in common. There are four main levers that you need understand independently and collectively to grasp...

Episode 27: What Tool Will You Use to Plan Your Retirement?

Dave Blanchett joins Wade and Alex in this episode to discuss the different retirement planning approaches. We breakdown the differences between Monte Carlo Analysis and the Funded Ratio and how they both serve a valuable purpose in your retirement incom...

Episode 26: What is Your Funded Ratio? Part 2

In this episode, Wade, Alex, and Bob continue their conversation on the Funded Ratio - and dive into what the results can tell you about where you stand relative to your retirement income goals. Is your strategic allocation aligned with your retirement i...

Episode 25: What is Your Funded Ratio? Part 1

In the episode, Wade, Alex, and very special guest Bob, discuss the Funded Ratio - a household balance sheet oriented approach to analyzing your retirement income plan. Your Funded Ratio answers a very simple question - do you have enough to meet your fu...

Episode 24: What is the Retirement Income Challenge?

In this episode, Wade and Alex talk with Bob French about Retirement Researcher's upcoming Retirement Income Challenge. Creating a retirement income plan - especially one that fits you - is not easy. But the Retirement Income Challenge will give you all ...