Here Is What A $3M Early Retirement Portfolio Looks Like

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In this video I walk through a case study on how you might want to think about asset allocation when designing an early retirement portfolio.
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My firm: onedegreeadvisors.com/
⚠️ "DISCLAIMER:⚠️
All content is not to be received as financial advice and each individual should consult with their dedicated financial planner, tax preparer, estate attorney, etc. before making any financial decisions.
All contents provided by This Channel is meant for EDUCATIONAL AND ENTERTAINMENT PURPOSE only.
This does not constitute an investment recommendation. Investing involves risk. Past performance is no guarantee of future results. Consult your financial advisor for what is appropriate for you.
Disclosures: onedegreeadvisors.com/solutio...
My firm: onedegreeadvisors.com/

[@MichaelToub]

Great Video!

[@MCalcagno]

Thanks for watching, Michael!

[@espesq2391]

Our facts are VERY similar, this reinforced some of my ideas.

[@christiandavis5014]

Seems this sample would benefit from Roth conversions to fill tax buckets before IRMA risk kicks in.

[@mrallan8063]

This would be a lot better to down the next click or two, as this is just a very high level overview which teases some very complex topics. Maybe make this a three or four part series and get into specifics of this couple. Such as when Roth coversions should start and when it should stop (I assume that 100% may not be optimal, depending on other income and tax brackets). Implications of Medicare costs (income penalties). What is the optimal mix of the three buckets at different ages (just as spending changes over time, asset allocations should change along with how much in each buket). Or how would the recommendations change for a single person vs a married couple. One topic that should be discussed more is how to plan to "Die With Zero"... people worked hard for retirement, and dying with a huge pot of money doesn't do them any good.

[@MCalcagno]

Thanks for your feedback! I like the idea of getting into a series. In the meantime here are some videos that specifically go into your questions:
Die with zero:
ua-cam.com/video/RL_lVKqYfC4/v-deo.html
Roth conversions:
ua-cam.com/video/TYGa1TSqfa4/v-deo.html
Withdrawal strategy:
ua-cam.com/video/exE3HRmnSdY/v-deo.html

[@rootedrotor525]

That's my exact number right now. I'm single, 51, no kids, no debt. Wondering what you would use for a safe withdrawl percentage. I'd like to die with zero and spend as much as I can early in retirement. I've got 4k per month coming to me for SS at 67.

[@MCalcagno]

Great question! I think you would like this video below. But I have a new video coming out next week on withdrawal strategies. Stay tuned:
ua-cam.com/video/exE3HRmnSdY/v-deo.html

[@MCalcagno]

Here's a video I made that goes through some different retirement withdrawal strategies: ua-cam.com/video/syzZqrmrsy4/v-deo.htmlsi=_Z2XjNE_BF1_o2YF

[@larriveeman]

Well I have a great federal pension( with cola), no debt, won’t take SS until fra, don’t need millions

[@MCalcagno]

Great job!

[@denise-stevens]

2:01 Who is Sarah and what happened to Jessica?

[@MCalcagno]

Sarah is Jessica's alter ego!

[@dastevens11]

Aha. Just as I suspected.

[@rda9441]

If they have 3 million....they should be able to spend 150k to 200k pretty easily.

[@sissydreams7494]

I respectfully disagree. That level is not sustainable. It's a LITTLE high. I would suggest 3.5 to 4%. You do you. Just a respectful suggestion for your consideration.

[@ExtraGuac007]

@@sissydreams7494 150K is a 5% withdrawal rate. With a 3.5 to 4% withdrawal rate, they'll end up with more money than what they started with. The assignment is to die with zero.

[@glasshalffull2930]

@@ExtraGuac007 The assignment is ‘NOT to run out of money.’

[@mrallan8063]

​@@sissydreams7494The 4% Rule is absurdly conservative. That will essentially guarantee they will die with a huge pile of money... while needlessly sacrificing for an artificial target. 5%-6% is a very reasonable safe range... and if they can toggle spending down a bit in market dips, they can occasionally take up to 8% in good years.

[@ExtraGuac007]

@@glasshalffull2930 Life insurance companies will line up around the block to take your 3M and give you back 5% every year. They will get rich because they know that the money will never run out at that withdrawal rate.

[@ccrx2640]

🥴🥴🥴nah

[@blakemaa4]

$3M portfolio owners aren’t watching UA-cam.

[@MCalcagno]

Wrong

[@mikev4373]

Um…you are wrong

[@akbeal]

Totally wrong

[@toothlessonthetrail8893]

Yet here I am.

[@craighbonnell]

Double that and I’m here