Free Resource: The Retirement Risk Evaluator

Wondering how safe it is to withdraw money from your retirement account? Making the wrong decision can put your financial future at risk. Some retirement calculators fail to consider the importance of the valuation factor when helping investors identify safe withdrawal rates. However, it is very important to realize that changes in valuation levels do have a significant impact on stock returns over the long term.

If you’re considering withdrawing from your retirement account, you should check out The Retirement Risk Evaluator, an innovative “new school” retirement calculator. The Retirement Risk Evaluator is the very first retirement calculator to take valuation under consideration. It was developed by Rob Bennett and John Walter Russell, and can be found at There is no charge for using this powerful expert retirement planning tool.

The Retirement Risk Evaluator’s co-developer John Bennett explains, "The idea that a 4 percent withdrawal is safe for retirements beginning at all valuation levels is a dangerous fantasy.” Bennett explains that there are some situations in which withdrawal at this rate is safe, assuming investors take relevant factors, included in The Retirement Risk Evaluator calculator, into consideration.

Bennett continues, "The same historical stock-return data that reveals the fallacy of the infamous 4-percent rule at times like today also shows that safe withdrawal rates for high-stock portfolios climb much higher than 4 percent at times of moderate and low valuations."

In addition to his work with The Retirement Risk Evaluator, Bennett writes daily investing articles for the "Financial Freedom Blog." He has also authored "Passion Saving: The Path to Plentiful Free Time and Soul-Satisfying Work."

retirement planning advice

"...we used this site to help us plan our retirement. Thanks for all the great free advice"

-Jan & Peter Molenar, CA,