The Richest Person in the Graveyard - The Retirement Trap

✅ Want to find out if you're cleared to spend more in retirement? Let's run the numbers together → https://rockwoodwealth.com/contact/ Most retirement content tells you how to grow the money. Almost none of it tells you how to actually spend it. Research shows the average married retiree withdraws only about 2.1% of their portfolio per year, and a striking number of retirees die with more wealth than they started retirement with. That's not a success story. It's a different kind of failure. In this video, we walk through a practical framework for moving from survival mode to living mode, using real numbers and institutional-grade thinking. We cover why the first five years of retirement carry outsized risk, and why starting conservative isn't arbitrary caution. Then we shift to the mental model that pension funds use, funded status, and how it changes the questions you should be asking after year five. From there, we break down the Guyton-Klinger guardrails framework, which Morningstar's 2024 analysis found can support a starting withdrawal rate of around 5.2% at a 90% success probability, compared to roughly 3.9% for a static approach. You'll see exactly how the prosperity trigger and the capital preservation trigger work in practice. We also cover the two-bucket spending model, the retirement spending smile, and the six inputs that should drive every spending decision, because the right answer for a couple at 68 with strong guaranteed income looks completely different from a couple at 68 without it. _ _ Timestamps: 00:00 Introduction 00:44 The Running Out of Money Obsession 01:43 The First 5 Years Are Dangerous 03:01 The Mental Model Shift 04:35 The Guardrails Framework 05:55 The Two-Bucket Model 07:29 The Longevity Reserve _ _ Our mission here at Rockwood Wealth Management is to help families make thoughtful, proactive financial decisions that protect the people they love most. Disclaimer: This video is for educational purposes only and should not be considered legal, tax, investment, or benefits advice. Please consult your attorney, tax professional, benefits specialist, and financial advisor before making decisions about your estate plan, trust structure, or government benefit planning.