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Retirement Planning

Something to Consider

We sit down with our clients and monitor several factors that influence the choice of an appropriate with­drawal rate. These include your age, health, the potential impact of inflation on your assets and cost of living, and the likely variability of your investment returns. If you plan to leave a legacy to your heirs, you should also factor this into your withdrawal rate decision. Consider these questions:

  • Are you ready to retire?
  • Has someone sat with you and walked you through all the necessary data information to assist you in making the appropriate decisions for you and your family regarding your financial future?
  • Do you know what your AWR is?

If the answer is “no” to any of these questions, please contact us today and we will help you plan for your future, (574) 267-6766.

Why an Appropriate Withdrawal Rate Matters

It’s easy to understand why accumulating enough assets for retirement may be the top priority for investors. You've worked hard your entire professional life and you want to make sure your capital is as deep as your life is long. With that said, it’s important for retirees and people hoping to one day retire to accurately assess what amount should be withdrawn from their personal savings and investment portfolio each year. At Alderfer Bergen we call that the Appropriate Withdrawal Rate (AWR). How much do you have to set aside now so you can live comfortably and happily in your retirement?

This article is not intended to provide specific investment or tax advice for any individual. Consult me, your financial advisor, with questions.