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Retirement Distribution Strategies and The Four Percent Rule – 08/01/2026

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John Berkley and Sheena Hanson of Uncommon Cents Investing discuss retirement distribution strategies, focusing on recreating a paycheck in retirement. They explore the four percent rule, with Berkley suggesting a flat percentage approach to manage sequence of return risk. The team explains bucket strategies, which categorize assets into short-term safe, intermediate, and long-term growth segments. A significant portion of the episode covers tax efficiency, highlighting the differences between pre-tax IRAs, Roth accounts, and non-qualified brokerage accounts. They discuss how local retirees can benefit from capital gains rates and the step-up in basis upon death. The hosts also address listener questions regarding inheritance taxes and share their speculative view on Bitcoin. As southern Wisconsin fiduciaries, Berkley and Hanson emphasize a flexible, listener-centered approach to financial planning. They encourage retirees to stay nimble, adjusting withdrawals based on market performance and personal goals to ensure their nest egg lasts.

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Uncommon Cents Investing is a locally-owned, independent financial advisory firm serving residents of the greater Rock County, WI area. Our retirement planning and investment management services help you plan, make the most of opportunities, and overcome obstacles so you can feel secure and optimistic about your financial future. Investment Advisory Services provided by Uncommon Cents Investing, a Registered Investment Advisor.

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Uncommon Cents Investing
1215 Suffolk Drive
Unit 100
Janesville, WI 53546

Phone: 608-563-2437

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