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Retirement Resilience · Authority Guide

The Annual Retirement Resilience Review

Once retired, the annual review keeps the plan calibrated. Skipping the review is the single largest avoidable retirement failure.

In this guide

  1. 1 · Executive summary
  2. 2 · Key takeaways
  3. 3 · Key strategies
  4. 4 · Pro-tips checklist
  5. 5 · FAQ
  6. 6 · Related guides & tools

Executive summary

Once retired, the annual review keeps the plan calibrated. Skipping the review is the single largest avoidable retirement failure.

  • Re-test withdrawal rate against portfolio
  • Update health and LTC plans
  • Refresh estate documents

Key takeaways

  • Re-test withdrawal rate against portfolio
  • Update health and LTC plans
  • Refresh estate documents
  • Calibrate spending against market conditions

Key strategies

  1. Strategy 1

    Re-test withdrawal rate against portfolio

  2. Strategy 2

    Update health and LTC plans

  3. Strategy 3

    Refresh estate documents

  4. Strategy 4

    Calibrate spending against market conditions

Pro-tips checklist

  • Time the review with RMDs in December
  • Document every adjustment year-over-year

FAQ

What's the single most useful annual review action?

Recalculating the actual withdrawal rate against the current portfolio. Catch drift before it compounds.