Welcome to Kitchen Table Finance!
Join hosts Nick and Dave as they dig into one of the most important aspects of financial planning for retirees: when and how to adjust your retirement income. Whether you're navigating market volatility, planning for worst-case scenarios, or wondering if you can spend more than you thought, this episode is packed with actionable insights for retirees and those planning their next chapter.
https://youtu.be/f8NIi_CfYw8
What You’ll Learn in This Episode:

Why planning ahead is key

Learn how defining your income rules early on helps reduce emotional decision-making later.


The two sides of retirement spending

Understand the differences between necessary expenses (like bills) and discretionary spending (like travel), and how these categories play into market ups and downs. Check out our episode on HOW to Adjust Your Retirement Income.


Adapting to market changes

Discover techniques for adjusting your spending in bear markets to keep your long-term plan on track, including tips on finding a sustainable withdrawal rate.


Opportunities for increased spending

Why many retirees may be underspending and how to recognize when it’s safe to increase your discretionary budget.


Using history as a guide

Dive into historical scenarios like the Great Financial Crisis and stagflation to see what they teach us about retirement income adjustments.


Tools to manage retirement income

From Monte Carlo simulations to strategies for creating fixed income sources, Nick and Dave break it down step-by-step.
Resources Mentioned:

Monte Carlo Simulations for retirement income planning
Tools for determining sustainable withdrawal rates
SRB Advisors YouTube Channel – Keep an eye out for a new video demonstrating how to visualize market scenarios using advanced software!

Why This Episode Matters
Market downturns happen, but you don’t need to panic. This episode will give you the confidence and tools to stick to your financial principles, make informed adjustments, and sustain your retirement income for the long run.

Contact Shotwell Rutter Baer
Got questions or want help with your retirement income plan?


Visit our website at srbadvisors.com
Email us at info@srbadvisors.com

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