Levanti Wealth

Could one spouse stop working and your household still maintain its lifestyle?

One common guideline used in retirement planning is the 4% Rule.

The concept is simple:

• Take your annual spending needs
• Divide by 4% (0.04)
• The result is an estimate of the investable assets needed to support that spending

Examples (excluding your primary residence):

🏠 $30,000 annual spending ($2,500/mo) → $750,000 invested

🚗 $40,000 annual spending ($3,333/mo) → $1,000,000 invested

🚘 $60,000 annual spending ($5,000/mo) → $1,500,000 invested

🏖️ $80,000 annual spending ($6,667/mo) → $2,000,000 invested

✈️ $100,000 annual spending ($8,333/mo) → $2,500,000 invested

🌎 $120,000 annual spending ($10,000/mo) → $3,000,000 invested

🏛️ $150,000 annual spending ($12,500/mo) → $3,750,000 invested

🌴 $200,000 annual spending ($16,667/mo) → $5,000,000 invested

🚁 $250,000 annual spending ($20,833/mo) → $6,250,000 invested

Important: The 4% Rule is a general planning guideline, not a guarantee. Factors such as taxes, investment returns, inflation, pensions, Social Security, healthcare costs, and individual circumstances can impact the amount needed.

The right number isn't determined by your age. It's determined by the lifestyle you want your assets to support.

Apparently being financially organized has a glow-up effect. ✨

Who knew understanding your money, having a plan, and feeling confident about the future could make such a difference?

The scary part? These aren't horror movies.

They're real financial mistakes we see people make every year.

Some say, “Just buy stocks and bonds.”
Others say, “The market is too risky, buy insurance products instead.”

Truth is, both are incomplete.

The biggest risk in retirement isn’t just returns. It’s sequence of return risk. Bad timing during market downturns while taking income can do serious damage to a long-term plan.

That’s why strong financial planning isn’t one-dimensional.
The most stable plans often combine market growth, real estate, cash flow strategies, and insurance for flexibility and protection.

Insurance isn’t there to replace investing. It’s there so you’re not forced to sell investments at the worst possible time.

A real strategy should be balanced, not biased.

If your entire plan depends on markets always cooperating, it may be time to rethink the plan. 💡

POV: we look at your spending and suddenly we’re the problem 😅

“You’re a real problem…”
Yeah… the Amazon orders aren’t helping your case 👀

Most people hear “$500k income” and assume unlimited freedom.
Reality? It disappears faster than you think.

Taxes, mortgage, kids, retirement, private school, lifestyle.
Suddenly, a high income starts feeling pretty normal.

That’s why real financial planning isn’t just about investments. It’s about understanding where your money is actually going and building a strategy that gives every dollar a job.

The goal isn’t just to make more.
It’s to structure what you already make in a smarter way.

Because financial freedom usually isn’t an income problem.
It’s a planning problem. 💡

“When we need one signature…”
Client: ‘I’m on a remote island in Alaska with no service for 3–5 business years’ 🏝️📵

Meanwhile, us: refreshing DocuSign like it’s part of the financial plan 😅