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www.northstarplanners.com One of the most common questions heard at NorthStar is “How much can I safely withdraw from my retirement accoount each year without incurring an undue risk of depleating my assets? There are 3 things to keep in mind when answering this question 1) A retirement account that has a poor level of diversification runs a higher risk of depleating itself if the market it is primarily concentrated in takes a steep hit So diversification is the first key. 2) The second key is allocation, and how much representation your portfolio has in equities vs. fixed income. 3) Remember, lastly, that the future is always uncertain, and that despite the elaborate simulations that may have been developed for you, markets are unpredictable and there is risk there. So, the best answer using the keys above is that a well diversified portfolio across many global asset classes with a significant allocation to equities has always been able to handle reasonable withdrawal rates. What is your broker keeping from you? NorthStar Financial Planners, Inc, fee-only financial planning firm in Plantation Florida: The Fine Art of Wealth Management.