Two financial advisors told Sandra to sell her house and cut her medications. She was 53, dealing with fibromyalgia, Lyme disease, and a recent divorce, and every piece of planning software agreed: at a 6.5% withdrawal rate, she would run out of money before age 72. She came to Mike Adams in August of 2000 with $911,000, right as the dot-com bust was hitting. Over the next 17 years, through market crashes, volatility, and years when everything felt like it was coming apart, Sandra withdrew $1.5 million and still had $740,000 left when she passed in 2017. This is the story of what the software gets wrong, why standard assumptions fail real people, and what a focus stock strategy built around clean balance sheets and growing dividends can do over a lifetime of investing. If you have ever looked at your financial plan and seen a 10% chance of running out of money, this video is for you. Mike Adams has 40 years of experience helping pre-retirees and retirees build income strategies that last. To schedule a complimentary 30-minute portfolio review, visit adamsfinancialconcepts.com.
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