Retirement Withdrawal Rate Consultation Service

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Retirement Withdrawal Rate Consultation Service

Inspired by a conversation on:

Catching Up to FI

Catching Up to FI

A Richer Retirement: The 4.7% Rule | Bill Bengen | 169

Host: Bill Yount & Jackie Cummings Koski

Timestamp: 00:04:36 - 00:05:03

Listen to Episode • View Podcast • All Ideas from Catching Up to FI

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Feather Flow

Direct Quote

"He explains how we can draw heavily on our retirement accounts without spending ourselves into premature poverty."

Market Gap

Individuals face uncertainty in determining safe withdrawal rates for retirement.

As people transition into retirement, they often feel anxious about how much they can safely withdraw from their savings without running out of money. This uncertainty is particularly prevalent among those who are late starters and may have less time to recover from poor financial decisions. Current resources may not provide tailored advice that considers individual circumstances, such as health status, longevity expectations, and market conditions. Without proper guidance, retirees risk under-spending and compromising their quality of life or over-withdrawing and jeopardizing their financial stability.

Summary

A retirement withdrawal rate consultation service could provide personalized assessments for individuals nearing retirement. This service would analyze a client's financial situation, investment portfolio, and withdrawal strategies to determine a tailored withdrawal rate that aligns with their goals and risk tolerance. By leveraging insights from Bill Bengen's research, including the updated 4.7% rule, the service would offer clients a clear understanding of how much they can withdraw each year while ensuring their savings last throughout retirement. This consultation could be offered virtually, making it accessible to a wider audience, and could include follow-up sessions to adjust strategies as market conditions and personal circumstances change.

Categorization

Business Model
Service
Target Founder
Subject Matter Expert
Difficulty
Medium
Time to Revenue
1-3 months
Initial Investment
< $100

Potential MRR (18-24 months)

Conservative
$1,000 - $2,000 MRR
Moderate (Most Likely)
$5,000 - $10,000 MRR
Optimistic
$15,000 - $30,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
8/10
Novelty
6/10
Feasibility
8/10
Market Potential
7/10
Evidence
6/10
Overall
7/10
Found on September 21, 2025 • Analyzed on September 21, 2025 12:06 PM

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How should I validate this service idea before building it?

2:34 PM

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