A $5 million portfolio can generally support approximately $150,000 to $200,000 of annual sustainable withdrawals using a 3–4% withdrawal rate. The right number depends on when you retire (retiring at 55 needs more cushion for sequence risk than 65-plus), healthcare costs before Medicare, geography, and lifestyle.
High-net-worth retirement planning should also include tax-optimized withdrawal sequencing, Roth conversion timing, IRMAA planning, and estate-liquidity considerations. Rather than relying on a rule of thumb, consider modeling your specific spending, tax, and longevity assumptions.
We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.
