04-14-2019, 12:26 PM
I have talked to a few planners. Mostly they were younger than I am and the majority of their experience in the longest bull market ever. Most of them are either conflicted, or married to their cookie cutter 4% withdrawal plan training they have never personally lived a single day of personally. I once thought this would be easy. Buy an annuity or some bonds and call it a day. I am since learned most annuities are not such a good deal, and I don't regard bonds that actually yield acceptably as all that safe in this credit crazed world.