Field Notes - Bellevue Financial Advisors

Field NotesSteve McConnell2026-09-16T23:12:27+00:00

Insights from the field

Investment design, tax strategy, equity compensation, retirement planning, and separating hype from substance.

Retirement Planning September 10, 2026 ⋅ 6 min

Why we ignore the 4% rule
The 4% rule is both one of the most cited numbers in retirement planning and one of the least useful. The rule makes questionable assumptions about investments, spending patterns, future income, future assets, and life expectancy. It turns out, when all factors are considered, the 4% rule isn't even a good first order approximation.

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Steve McConnell, CFP^®

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