Ep 25: Obsolete Retirement Planning Ideas

There are plenty of financial planning strategies that have been passed down to each generation without losing effectiveness, but not everything can stand the test of time. Today we’ll identify five planning ideas that are either becoming obsolete or already hold little value anymore.

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The Game Plan

Without a proven financial plan in place, it’s easy to follow rules that you’ve either read or heard about without knowing how well they fit your retirement goals.

On this episode, Dale will tell us about five different planning strategies that don’t really work like they used to (or maybe never did). Here are the planning ideas we’ll tell you about:

  • The 4% rule
  • 10-5-3 rule
  • Moving from stocks to bonds for safety.
  • Picking a specific number out for retirement without a plan.
  • Needing less income in retirement

Listen to the full episode or click on the timestamps below to skip around to specific topics.

The X’s & O’s

Check out the timestamps below to skip around to specific topics on the show.

[2:54] – The 4% Rule

[6:11] – The 10-5-3 Rule

[9:04] – As we age, we should transition away from stocks and into bonds for safety.

[10:28] – Tagging a certain number as what you’ll need for retirement. 

[13:59] – You’ll need less income in retirement.


When you’re looking at mutual funds and you’re looking at a diversified group of stocks for example, I think that 10% (return) is way too generous.

– Dale Tondryk

More To Explore

Ep 67: Are You A Risk Taker? How To See If Your Tolerance for Risk Matches Your Plan

Do you like to take risks? Or would you rather play it safe and steady? When it comes to the market risk can come with great reward, but it can also be damaging if our risk tolerance is out of balance with our plan. Most people don’t realize how much risk they are taking on and have a much lower tolerance than their portfolio reflects. 

Ep 66: Picking Sides in Important Financial Debates

Financial debates have existed for a long time and when we’re planning we may encounter quite a few. While there are various opinions out there, not everyone’s solution will fit your needs. Each situation is going to depend on your plan and goals.

Ep 65: Are These Retirement Statistics Encouraging or Disturbing?

We’ve gathered some updated retirement statistics from across the country. It’s time to find out if these are encouraging or disturbing findings if they’re reflective of the average client, and what you can do to improve your own retirement preparedness based on this information.