Free Guide for Those Near Retirement
Beyond the 4% Rule
A plain-English guide to flexible withdrawal strategies — and how the right one fits into a coordinated retirement plan.
Most people near retirement have heard of the 4% Rule. Far fewer know its limits — or that following it rigidly leads many retirees to underspend their best years. This guide breaks down what the research actually says, and how the withdrawal decision connects to Social Security, taxes, and the rest of your plan.
What's Inside
- Why the 4% Rule was built as a worst-case floor — not a spending plan
- Eight flexible withdrawal strategies compared side by side, in plain English
- Which approach fits which retiree — certainty, lifetime spending, or legacy
- How withdrawals connect to Social Security timing, taxes, and Roth conversions
- What today's starting withdrawal rate actually looks like under current conditions
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Beyond the 4% Rule
The Retirement Coordination Framework™
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Book an Intro CallFor informational and educational purposes only. Not investment, tax, or legal advice. Figures referenced in the guide are simulation-based and sourced from Morningstar research; they do not represent guaranteed outcomes. Keep It Simple Financial Planning is a registered investment adviser; registration does not imply a certain level of skill or training.