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How to Get Retirement Spending Guardrails Right
Features September 22, 2025 at 05:07 PM
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What You Need To Know
- In a "guardrail" income strategy, retirees adjust their withdrawal rate based on market conditions.
- Using software to alter spending based on frequent calculations leads to far better outcomes for retirees than the original guardrail approach, planner Derek Tharp argues.
- The discussion arose in response to an argument that financial planning software was a "productivity killer" that generated "hundreds of pages of noise."
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