Maximizing YOUR Cash Flow in Retirement with the Dr of Retirement, Dr. Wade Pfau

Have you ever laid in bed at night and wondered if you have enough money to retire? In today’s episode, we interview Dr. Wade Pfau, who has devoted his career to answering this question.

Dr. Pfau is the Founder of the Retirement Researcher Blog which provides independent, data-driven, and research-based information about retirement income planning. We discuss one of the biggest misconceptions clients (and advisors) make when calculating cash flow in retirement. The “4% Rule” is often misunderstood and Dr. Pfau provides his insight into whether or not it is applicable in today’s low-interest-rate environment.

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Additional topics discussed include the following:

What is the 4% Rule?
Is it still applicable in today’s low-interest-rate environment?
Whole Life vs. Universal Life
Should I replace my Bond Portfolio with High Cash Value Life Insurance?
What are the three types of Buffer Assets?
Personal Pension/Volatility Buffer
The case for annuities in a low-interest-rate environment
What is a Reverse Mortgage?
Reverse Mortgage vs. A HELOC

Resources: Website:


– How much can I Spend In Retirement?
– A guide to Investment-Based Income Strategies
– Reverse Mortgages: How to use Reverse Mortgages to Secure Your Retirement
– Safety-First Retirement Planning: An Integrated approach for a Worry-Free Retirement

Sequence of returns video: