Withdrawal Strategy Planning Tool

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Withdrawal Strategy Planning Tool

Inspired by a conversation on:

Your Money, Your Wealth

Your Money, Your Wealth

What Retiring With $6 Million Really Looks Like - 549

Host: Joe Anderson, CFP® & Alan Clopine, CPA

Timestamp: 00:15:07 - 00:15:36

Listen to Episode • View Podcast • All Ideas from Your Money, Your Wealth

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Feather Flow

Direct Quote

"Our withdrawal strategy guide will walk you through the variables that determine a sustainable spending plan that can adapt when the market gets choppy."

Market Gap

Investors struggle to create adaptable retirement spending plans.

Many retirees lack a solid understanding of how to withdraw funds sustainably from their retirement portfolios. The traditional 4% rule can be misleading, especially in volatile markets, leading to either excessive spending or financial shortfalls. Retirees often feel uncertain about how much they can safely withdraw each year, which can lead to anxiety and poor financial decisions. Current solutions often do not account for market fluctuations, individual spending habits, or changing financial needs over time. This gap in financial planning tools creates a significant need for a solution that can offer personalized, adaptable withdrawal strategies tailored to individual circumstances.

Summary

The idea is to develop a software tool that guides users through creating a personalized withdrawal strategy for retirement. This tool would help users model various scenarios, taking into account market volatility, personal spending habits, and upcoming expenses. The tool could provide recommendations on withdrawal amounts from different accounts (like IRAs, Roth IRAs, and brokerage accounts) to optimize tax efficiency and ensure sustainability over time. This would be particularly useful for pre-retirees and retirees looking for clarity on their financial future. The target audience includes financial advisors and individual investors who are navigating complex retirement scenarios, similar to the discussions highlighted in the podcast.

Categorization

Business Model
SaaS
Target Founder
Technical
Difficulty
Medium
Time to Revenue
3-6 months
Initial Investment
$1,000-$10,000

Potential MRR (18-24 months)

Conservative
$2,000 - $5,000 MRR
Moderate (Most Likely)
$10,000 - $20,000 MRR
Optimistic
$40,000 - $60,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
8/10
Novelty
7/10
Feasibility
7/10
Market Potential
8/10
Evidence
7/10
Overall
7.4/10
Found on September 30, 2025 • Analyzed on September 30, 2025 4:56 PM

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