Pre-Retirees

You’re almost there. But how much is “enough”?
You’re getting close to retirement, and it’s time to start making some of the most important financial decisions of your life. The big question: Can I afford to stop working—and stay retired?

Most advisors lean on the old 4% rule: withdraw 4% of your portfolio each year and hope it lasts. Some push that to 5% or even 5.5% in today’s markets. But what if there was a better way?

More income, with managed risk
At PRR Wealth Management, we use alternative investments and income-generating strategies involving derivatives to help produce significantly more income—while managing the risk to your principal. In many cases, we’re able to safely target withdrawal rates between 7% and 9%. That can make a big difference.

Here’s a simple example:

• A traditional 4% rule on a $1 million portfolio gives you $40,000 per year.

• Our strategy could generate $85,000 per year from the same portfolio.

We use advanced tools like RightCapital to show you exactly how these numbers work—and how they hold up under different market conditions.

Guardrails to keep your plan on track
To protect your long-term success, we implement a guardrail strategy that sets clear upper and lower limits for your portfolio at a given withdrawal rate. If the market performs better than expected, we may raise your income. If it underperforms, we may temporarily reduce withdrawals to preserve your principal.

That’s the key trade-off:
In exchange for a much higher income in retirement, you agree on the front end that if your portfolio slips below an agreed-upon threshold, we’ll adjust your income slightly to keep things sustainable. It’s a disciplined, transparent approach that helps avoid panic—and supports better outcomes over time.

While our income models are largely insulated from daily market fluctuations, a portion of your portfolio will still move with the markets. That’s why risk management is always part of the conversation.

Retire sooner—or retire better
If you’re just shy of your target retirement number, our approach could close that gap and help you retire sooner. And if you’re already on track, it might mean a more comfortable lifestyle and greater peace of mind once you’re there.

Let’s build a plan that works in the real world—so you can enjoy the next chapter on your terms.