Retirement Withdrawal Rate Danger Zone: A $1.5 Million Case Study

A married couple came to Marty with $1.5 million saved for retirement. On paper, they looked like they were in great shape. But when Marty ran the numbers, they were on track to run out of money by their mid-80s.

In this episode, Marty breaks down a real case study of a 62 and 60-year-old couple needing $138,000 a year in income — a 9.2% withdrawal rate, more than double the standard 4% rule. Marty walks through four different strategies side by side: staying conservative, going aggressive in the market, a half-measure annuity approach, and the full Atlas Annuity Strategy that took them from running dry to having nearly $1 million left in their 90s, with over 90% of their income guaranteed for life and zero market risk.

You'll learn:

• Why a safe withdrawal rate matters more than your total account balance
• What really happens when your withdrawal rate creeps above 4%
• Why "locking up" money in an annuity may actually free up more cash than staying invested
• How guaranteed income can let you take more risk — and defer Social Security — safely

This episode is for educational purposes only and is not a recommendation to buy, sell, or trade any securities. Please consult a licensed advisor before making any financial decisions.

Ready to see what your own withdrawal rate and guaranteed income strategy could look like? Book your free Income Clarity Call at atlasannuity.com.