How long will your retirement nest egg last?

You’ve worked hard to get where you are. Seek a retirement withdrawal strategy that maintains your income.

Watch Now

Gain perspective on the market’s impact on retirement


Isabel Barrow
Director, Financial Planning

0:00 / 1:20

Ms. Chatzky and Ms. O’Brien receive cash compensation for acting as hosts of the Everyday Wealth radio show and podcast and for related activities and therefore have an incentive to endorse Edelman Financial Engines and its planners. That compensation is a fixed sum paid on an annual basis; and reimbursement for certain expenses. The amount paid each year does not vary, is not based on show content or any results-dependent factors (e.g., popularity of the show).

with a planner

Please enter your first name.

Please enter your last name.

Please enter your email address.

Email address invalid.

Please enter your phone number.

Phone number invalid.

Please enter your ZIP code.

ZIP code invalid.

By submitting this form and providing your phone number, you agree that Edelman Financial Engines may call or text you at the number you provided for transactional communications regarding scheduling appointments and appointment reminders. You are also agreeing to our Terms of Use and Privacy Policy. Standard text message rates may apply. You may opt out of receiving text messages at any time.

Your financial plan should help you prepare for the unexpected

How much will the stock market gain or lose after you retire? Consider a financial plan that can help provide retirement income through bear markets, inflation, recessions and other challenges.

sequence of Returns risk in retirement

Retirement Chart Retirement Chart

Having to draw income from your investments during a market decline early in your retirement can damage your nest egg, as demonstrated by the orange line scenario. In contrast, the green line scenario experiences positive returns in its early years. The right financial plan can prepare for alternative income sources.

SOURCE: Edelman Financial Engines. This is a hypothetical illustration used to demonstrate the impacts of bull and bear markets on retirement assets either in the early years or later years of retirement, respectively, as withdrawals are taking place. Each scenario assumes a starting value of $1 million, annual withdrawals of $40,000, the same set of annual returns over a 30-year period, only in inverse order or "sequence." The orange line represents a sequence of returns that includes a bear market in its early years. The green line represents a sequence of returns that includes a bull market in its early years. Hypothetical performance of each line assumes a 6.7% average annual return over the full period. The chart is for illustrative purposes only and is not intended to predict investment results. They do not include consideration of the investment fees or expenses, time value of money, inflation, fluctuations in principal, or taxes.

#1 Independent Financial Advisory Firm
2018, 2019, 2020, 2021, 2022

Awarded each September based on data within a 12-month period. Compensation paid for use and distribution of rating.

Top U.S. Registered Investment Advisers, 2020.

Listing published annually in July and is based on data gathered by Financial Times in 2020.

Give your wealth the attention it deserves

Call us, let’s start the conversation.

(833) Plan-EFE