What if the biggest retirement risk isn’t market losses—but how you spend when markets change? In this episode, Brooks Bernhagen breaks down why rigid withdrawal rules can fail real retirees and how flexible spending guardrails can better match life’s ups and downs. Using recent research, market history, and real-world retirement planning scenarios, the conversation explores safe spending ranges, sequence-of-returns risk, and why adaptability matters once paychecks stop. The focus stays on decision-making frameworks that help retirees respond to good years, bad years, and unexpected expenses without relying on a single fixed rule.

Listen to Brooks every Saturday at 7 a.m. on KOTA.

Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!