Know Exactly How Much You Can Spend In Retirement, And Keep Your Investments Working (From A Fee-Only CFP® Licensed Since 1993)
Get Your Retirement Score4 questions. 2 minutes.Same Savings. Two Very Different Retirements.
Retirement By Guesswork
Spending based on a hunch
Accounts at three different firms
Withdrawals with no tax plan
Documents from another state
Nobody watching the whole picture
Retirement By Plan
A yearly spending number, in writing
Investments consolidated and tied to goals
Withdrawals planned around taxes
Documents reviewed for Florida
One fee-only fiduciary who sees it all
The Question Every Retiree Asks: How Much Can I Spend?
Spend too little, and you miss the retirement you saved for.
Spend too much, and you run short in your 80s.
So most people guess. Then worry about the guess.
A plan replaces the guess with a number.
Your savings were built to be spent.
The trick is knowing how much.
So How Do You Get A Real Number? Three Options:
Guess
Free and easy. And you won’t know if you were wrong until it’s late.
An Online Calculator
Fast. But it doesn’t know your taxes, your accounts or your life.
One Fee-Only Planner
Income, investments and taxes planned together, by a fiduciary.
Florida Documents. Reviewed By A Florida Attorney.
Moved here from another state? Your old documents may not work the way you expect in Florida.
Answer plain-English questions online. A licensed attorney reviews every plan. Then Byron checks it against your accounts and beneficiaries.
Typical documents shown. What you need depends on your situation.
Meet Byron L. Studdard
Founder and president of Studdard Financial, a fee-only fiduciary registered investment adviser with offices in Sarasota, Florida and Germantown, Tennessee.
Licensed as a financial advisor since 1993. CFP® certified since 1997. Client assets are held at Charles Schwab & Co., an unaffiliated custodian.
But none of that matters unless your plan fits the state you live in now.
CRD #2368317. Check the background on BrokerCheck.
Is Your Retirement Planned? Score It In 2 Minutes:
0 / 8
Tap an answer for each one.
Fair Questions:
"I already have an advisor."
Good. Ask one question: how much can I spend this year, and how do you know? If the answer is not specific, it is worth a second look.
"What does fee-only mean?"
Studdard Financial is paid by you, not by product companies. No commissions.
"I live in Tennessee."
Studdard Financial also has an office in Germantown, Tennessee.
"Who writes my legal documents?"
Not Studdard Financial. A licensed attorney at The Succession Firm, a separate law firm, reviews your plan under its own engagement with you. Outside Florida, you are handled by appropriately licensed counsel or referred.
"What does it cost?"
That depends on your situation and the work involved. You get the fees in writing before you commit to anything.
A Year From Now, With A Plan
You know your number. You spend it without guilt. And someone is watching the rest.
A Year From Now, Without One
Same guess. Same worry. Spending too little, or too much, and not knowing which.
Four questions. Two minutes.
Your call.