A $10 million portfolio can generally support $300,000 to $500,000 of annual sustainable withdrawals using a 3–5% withdrawal rate. At this level, the question shifts from “will I have enough” to “how do I optimize taxes, transfer wealth to heirs, and structure for the long term.” Ultra-high-net-worth retirement planning often integrates an alternatives allocation, an estate-tax-optimization overlay using the permanent $30 million couple exemption, family-office considerations, philanthropy planning, and multi-generational planning. Consider a withdrawal and tax strategy that balances your lifestyle goals with long-term wealth transfer objectives.
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.
