Q2 market letter is out — what we changed in client portfolios, and what we deliberately did not.

Retirement income

A withdrawal order that survives a poor first decade.

A withdrawal order built to survive a poor first decade, tested against historical sequences rather than a straight-line average. Which account, how much, taxed how, and what changes if markets fall in year two.

What this covers

  • Drawdown sequencing across accounts
  • Sequence-of-returns stress testing
  • Social security and pension timing
  • Tax bracket management in retirement
  • Cash buffer sizing for bad years
  • Annual spending review

Book an introduction