Everyone wants to know the magic number. The figure that means you’re finally ready to retire. But that number alone won’t tell you whether you’re actually prepared.
This episode continues our educational series from Halbert Hargrove, where we take the questions clients ask and work through them honestly. No shortcuts. No oversimplifications.
In this episode, David Koch walks through three considerations that may help shape a more realistic retirement target, from why spending rate often matters more than portfolio size, to how taxes can affect the 4% rule, to why even a carefully considered plan may benefit from room to absorb the unexpected. Because retirement isn’t just about hitting a number. It’s about thoughtful planning that accounts for the realities of life along the way.
