Stop Using the 4 Percent Rule: Build Tax Efficient Retirement Income with Shubert Cineus

Most retirees are taught the 4 percent rule, then wonder why their plan feels shaky when markets swing. In this interview, author and fiduciary advisor Shubert Cineus breaks down what actually derails retirement income and how to plan with taxes, sequence of returns, longevity, and interest rates in mind. You will learn the right questions to ask, how annuities can function as a tool for predictable income, and why “media snippets” are not a plan.What you will learn:• Why sequence of returns risk can sink a “safe” withdrawal plan• How to think about tax deferred, taxable, and tax free buckets• Where annuities may fit as an income tool and what fees to watch for• Longevity and long-term care costs many families underestimate• Why quarterly reviews and comprehensive planning matter• How to avoid herd mentality and build a plan you understandGet the book on Amazon: https://a.co/d/31Lb5D5Book a no-cost intro call at Modern Edge Capital to see if we can help you create a written retirement income plan.Compliance and important disclosures:This content is for educational purposes only and is not individualized investment, tax, or legal advice. Investment advisory services may be offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. Guarantees associated with annuities are subject to the claims-paying ability of the issuing insurance company. Annuities may include fees and surrender charges. Past performance is not indicative of future results. Consult your own tax, legal, and financial professionals before making decisions.