Reeling in RetirementReeling in Retirement
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Why the 4% Rule Doesn’t Always Tell the Full Story

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Reeling in Retirement

Ever feel like you’ve got your retirement on the hook, but just can’t bring it in? Need a strong hand to help pull up that last foot of retirement rop 
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What if the biggest risk to your retirement isn’t how much you’ve saved, but when you retire?
In this episode, Kip Hutto explains why the popular 4% withdrawal rule can fall short and how market timing, sequence of returns, healthcare costs, and portfolio structure can dramatically change retirement outcomes. Using real-world examples, he breaks down why one-size-fits-all strategies often miss the mark and explores why retirement planning should focus on flexibility, income coordination, and personal risk tolerance.

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Reeling in Retirement

Ever feel like you’ve got your retirement on the hook, but just can’t bring it in? Need a strong han 
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