How Much Can You Safely Withdraw in Retirement?

How much can you safely withdraw in retirement without running out of money? While the 4% rule is a good starting point, research by Bill Bengen—and tools like Monte Carlo simulations—help us build smarter, more personalized plans. At Whitaker-Myers, we go further by using strategies like rebalancing, managing sequence of return risk, and diversifying into non-correlated assets to help your retirement income last as long as you do.

Early Decision vs. Regular Decision: A Smart (and Debt-Free) Approach to College Planning

This month, let’s talk about how to make wise, informed choices in the college application process—without letting emotions or pressure lead to financial regret.

529 Plans vs UTMA: Making Smart Choices for Education Savings

Choosing between a 529 plan and a UTMA account can shape your child’s financial future. 529s offer tax-free growth for qualified education expenses, while UTMAs provide flexibility for any use benefiting the child. A balanced approach—starting with a UTMA and shifting to a 529—can mix tax benefits and preserve eligibility for education tax credits. Saving just $166 per month from birth can grow to $65,000–$100,000 by age 18, giving your child a strong start in life.