There's a Better Way to Plan Retirement Withdrawals

ELK GROVE, Calif. - Feb. 23, 2015 - PRLog -- This is the title of an article that came out Tuesday the 13th of January on MarketWatch.com

  http://www.marketwatch.com/story/theres-a-better-way-to-plan-retirement-withdrawals-2015-01-13?link=mw_home_kiosk

This article covers some myths about the ability to sustain withdrawals from stock market accounts as well as some risks IRA accounts can bring as well. Required Minimum Distributions can cause a family to withdraw more from tax deadly accounts than intended. Planning income from market accounts can force us to adjust yearly income based off smaller or fluctuating balances to keep the account lasting.

The writer of this article discusses the very real but often hidden danger of "Sequence of Returns". This is related to when the market decreases an account balance because of correction or collapse. If someone retired in 2006 they had a great retirement until about 2008. When the crash hit nearly every news story featured someone who was heading back to work because of the loss to their life savings.

The sequence of returns could work out well for someone who retired in 2012 or even 2009. Those years of market growth could propel them into a secure retirement and balances strong enough to withstand corrections in the future.

This article does a pretty good job of combining a few of the standard methods of taking income in retirement. These methods while untested could work well as consumers continue to wage the war against running out of their income. There are no perfect methods but this article is worth giving a review or asking your planner to work some numbers through for you.


Matt Golab was recruited to write a chapter in Tom Hopkins recent book, Victory which became a National Best Seller. Matt also received the Editors Choice Award for his contribution to Victory, not every contributor is selected for this high honor.

Matt is an authority on creating innovative tax and investment solutions to help his clients succeed in their retirement years.  The strategies Matt Golab has established and passed on through successful financial planning with hundreds of clients over the years has launched him into the national spotlight.

He is often featured in Retirement Advisor Magazine, a publication which attracts the top financial planners in the country. Matt has been featured in newspapers around the country passing on the principals for a successful retirement. Golab is often asked by national websites that focus on the education of consumers to present his knowledge on the areas of retirement and retirement income plans.

Matt is frequently featured in The Wall Street Journal, CNBC, MSN Money, The San Francisco Chronicle, Newsweek, TheSmartRetiree, Burlington County Times and appeared nationwide on ABC, CBS, Fox, and NBC as well as USA Today.

Matt has a weekly radio show where he discusses all aspects of retirement planning, total wealth management, and estate strategies. Through his relationship with Retirement Radio Network experts such as David Walker former Comptroller General of the United States, Harry Dent of the H.S. Dent Foundation, John Bogle of the Vanguard Funds and many more have been heard on his show Income Forever.

Golab is the Author of The Consumer's Guide to Planning Your Retirement: Your Guide to Mental Peace and Financial Well Being. Matt Golab continues to expand the geographic reach of his audience and desires to bring his expertise to a nationwide television audience. Matt emphatically states his mission, “I want to change the way Americans view their retirement. They can succeed (stay retired) regardless of what happens in the market".

Contact information for Matt is available at his website, http://www.aaronmatthewsfinancial.com/

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