Welcome, Our Region's Business Viewers
Thank you for watching Jim Lange’s conversation with Bill Flanagan. As promised on the show, we've gathered the resources Bill and Jim discussed so you can dig into them yourself. To request your complimentary Safe Withdrawal Kit, simply complete the form below.
Your Complimentary Retire Secure Safe Withdrawal Kit
Bill Bengen introduced the original 4% rule back in 1994, and it became the guideline most retirees and advisors have relied on ever since. In his 2025 book, A Richer Retirement, Bill revisited his research and raised his recommended first-year withdrawal rate from 4.0% to 4.7%, a 17.5% increase. He also moved away from a one-size-fits-all 30-year assumption so retirees can match their withdrawals to their own time horizon.
Your complimentary kit includes three resources to help you understand what the update could mean for you:
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- Jim's Forbes.com article explaining Bill's new safe withdrawal rate and how he arrived at it.
- The Retire Secure Safe Withdrawal Planning Card, developed in collaboration with Bill, showing safe withdrawal percentages across a range of time horizon.
- A hardcover copy of Bill's book, A Richer Retirement
Want to read some of these resources now?
Two of the kit's resources are available on our website right away:
- Read Jim's article on Bill Bengen's updated safe withdrawal rate → paytaxeslater.com/30-year-safe-withdrawal-rate/
- View the Safe Withdrawal Planning Card → paytaxeslater.com/safewithdrawal/card
Disclaimer: Lange Accounting Group, LLC offers guidance on retirement plan distribution strategies, tax reduction, Roth IRA conversions, saving and spending strategies, optimized Social Security strategies, and gifting plans. Although we bring our knowledge and expertise in estate planning to our recommendations, all recommendations are offered in our capacity as CPAs. We will, however, potentially make recommendations that clients could have a licensed estate attorney implement.
Asset location, asset allocation, and low-cost enhanced index funds are provided by the investment firms with whom Lange Financial Group, LLC is affiliated. This would be offered in our role as an investment advisor representative and not as an attorney.
Lange Financial Group, LLC, is a registered investment advisory firm registered with the Commonwealth of Pennsylvania Department of Banking, Harrisburg, PA. In addition, the firm is registered as a registered investment advisory firm in the states of AZ, FL, NY, OH, and VA. Lange Financial Group, LLC may not provide investment advisory services to any residents of states in which the firm does not maintain an investment advisory registration. Past performance is no guarantee of future results. All investing involves risk, including the potential for loss of principal. There is no guarantee that any strategy will be successful. Indexes are not available for direct investment. If you qualify for a free consultation with Jim and attend a meeting, there are two services he and his firms have the potential to offer you. Lange Accounting Group, LLC could offer a one-time fee-for-service Financial Masterplan. Under the auspices of Lange Financial Group, LLC, you could potentially enter into an assets-under-management arrangement with one of Lange’s joint venture partners.
Please note that if you engage Lange Accounting Group, LLC and/or Lange Financial Group, LLC for either our Financial Masterplan service or our assets-under-management arrangement, there is no attorney/client relationship in this advisory context.