We lay out the core rules that protect your retirement plan: how to size a cash wedge, set a withdrawal policy you’ll actually keep, avoid duplicate exposure when mixing products, and review your plan annually so a market drop doesn’t derail your lifestyle.
The doors are open for podcast listeners only today! Do not miss the reduced price!
The membership gives you access to:
- A community of over 500 retirees (ran on Mighty Networks) where you can speak with and ask questions. You won’t feel alone anymore.
- A downloadable retirement projections spreadsheet to keep your data on your computer and not share with anyone. The spreadsheet runs macros in Excel. You must have a valid Excel license to use it.
- Support from retirement coaches. If you are not tech-savvy, you can still use the Excel spreadsheet with the help of the RL retirement coaches. They will review your projections and help you optimize them.
- A continuous learning center, including a monthly newsletter and videos. Retirement Loop covers multiple topics such as how to minimize taxes, optimize your budget, and how to stress test your retirement plan. The newsletters are written by a former financial planner.
- The Loopers’ Show. This is a monthly event where you can watch case studies reviewed, listen to discussions with other members, and hear from special guests!
Risk-free investment policy
As usual, all our services come with a risk-free investment policy.
Retirement Loop comes with a 60-day money-back guarantee.
You can subscribe to Retirement Loop today, and you have 60 days to decide if it’s the right community for you. If not, email us, and we will refund your payment without any questions.
You’ll Learn
Your “do-no-harm” rules
The handful of guardrails that keep you out of trouble: keep costs low, limit strategies (2–3 max), and default to clarity over complexity—especially as you age.
Cash wedge—right-sized, not oversized
Why you hold ~3 years of the gap (what your portfolio doesn’t cover) instead of 3 years of full spending, how to fund it, and how to refill it after up years.
Withdrawal policy you can stick to
A total-return approach (sell a few units in good markets, draw the wedge in bad ones) vs. chasing headline yields—plus how to add flexibility (5–6% with adjustments) without stressing your plan.
Fixed income that earns its keep
When GIC/bond ladders and preferreds make sense, where they don’t, and how to avoid turning stability into long-term drag.
Avoiding overlap & product clutter
How to spot duplication when you pair all-in-one ETFs with dividend ETFs or covered calls—so you’re truly diversified, not just holding more tickers.
Rebalancing & reviews—once a year, every year
Why you should “retire your plan” annually: refresh projections, rebalance to targets, and sanity-check risk tolerance before the next drawdown.
Taxes as a tiebreaker (not the driver)
A clean withdrawal order beats fancy contortions. Use tax optimization to refine a good plan—not to justify complexity.
“Be the firm”
Cut product fees where you can, create your own paycheck, and keep control of your income stream.
Related Content
You can download the Dividend Income for Life Guide using the form below.
Which products to use and how to package them? Listen below!
Income Products for Retirees and How to Package Them [Podcast]
Other related episodes about retirement:
Or read about the most frequent weak spots in retirement plans.
How to Spot (and Fix) the Weak Spots in Your Retirement Plan
The Best Dividends to Your Inbox!
Download our Dividend Rock Star List now and do not miss out on the good stuff! Receive our Portfolio Workbook and weekly emails, including our latest podcast episode!
Follow Mike, The Dividend Guy, on:
Have Ideas?
If you have ideas for guests, topics for The Dividend Guy Blog podcast, or simply to say hello, then shoot me an email.
This podcast episode has been provided by Dividend Stocks Rock.
Leave a Reply