Episode 8: Retirement Withdrawal Strategies - 2/15/25

Retirement isn’t just about saving—it’s about creating a smart plan for how to use those savings. In this episode of More for Your Money, John Berkley and Sheena Hanson talk through the essential strategies for drawing down your investments in retirement. They cover the classic 4% rule (and its modern tweaks), bucket strategies, tax considerations, and how to manage volatility in early retirement. You’ll also hear how different types of accounts—like Roth IRAs, traditional IRAs, and taxable brokerage accounts—play a role in creating a tax-efficient, sustainable retirement income. Whether your goal is to leave a legacy or spend it all, Sheena and John explain how to match your plan with your priorities. From market timing and inflation to Medicare costs and behavioral habits, this conversation covers the moving parts that make retirement income planning both an art and a science.