@retiresmarttony: After 25 years as a financial advisor, here are 3 red flags that tell me a retirement withdrawal plan is heading off course 🚨 First, your withdrawal rate has jumped above 6% after the market takes a hit. When your portfolio drops but you keep pulling out the same dollar amount, you're suddenly withdrawing a much larger percentage of what remains. Research shows that sustainable withdrawal rates sit around 3.9% for a 30-year retirement—anything above 6% dramatically increases your risk of depleting your savings. Second, you've been taking the same dollar amount for years despite strong growth. Think of it like always skiing the same beginner run when you could handle black diamonds. If your portfolio has grown significantly but your withdrawals haven't adjusted, you might be unnecessarily limiting your lifestyle when you could actually afford more. Third, you and your spouse argue about spending because there are no clear rules. Without a coordinated withdrawal strategy, couples often pull from whatever account seems convenient rather than following a tax-efficient plan. This creates stress and can cost you thousands in avoidable taxes every year. The key is having a withdrawal strategy that adapts—not one that stays frozen in place. Follow @RetireSmartTony for more retirement planning strategies. Slalom Wealth Management is a registered investment adviser. This platform is solely for informational purposes and is not offering advisory services or sales of securities. Investing involves risk and possible loss of principal capital. Comments by viewers and/or recognitions are no guarantee of future investment outcomes and do not ensure that a viewer will experience a higher level of performance or results. Public comments posted on this site are not selected, amended, deleted, or sorted in any way. If applicable, certain editing of personal identifiable information and misinformation may be deleted. Slalom Wealth Management is a registered investment adviser serving families that are preparing for retirement or have recently retired. #retirement #retirementplanning #financialplanning #withdrawalstrategy #PersonalFinance

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