This course will be LIVE on: Tuesday, September 16, 2025, 2:00 PM – 3:00 PM EDT.

Attend the upcoming LIVE WEBINAR without the need to take the online quiz to receive CE! If you miss the webinar you will be able to take the online recorded course 10-14 days after the live event to receive 1 hr CFP®, CRC®, and other Continuing Education Credit when you pass the online quiz. 

As market conditions evolve and traditional retirement income rules face new challenges, financial advisors are encountering clients who are uncertain about sustainable withdrawal rates from their retirement portfolios. 

The classic 4% rule may no longer provide adequate guidance in an environment of elevated equity valuations and shifting bond yields, potentially leading to either premature portfolio depletion or unnecessarily conservative spending that diminishes quality of life. 

This uncertainty can undermine advisor confidence in withdrawal recommendations and leave clients anxious about their financial security throughout retirement. This presentation will equip advisors with current research-based frameworks for determining appropriate withdrawal rates, strategies for communicating withdrawal trade-offs to clients, and tools for adapting withdrawal strategies based on changing market conditions and client priorities.

In "How Much Can I Really Withdraw? Navigating Safe Retirement Spending in Today’s Market" with Eric Ludwig, you will:

1. Analyze current research on safe withdrawal rates and understand why traditional rules may need updating;
2.  Evaluate different withdrawal strategies and their impact on portfolio longevity versus lifetime spending;
3. Apply flexible withdrawal frameworks that can adapt to market conditions and client circumstances;
4. Assess the trade-offs between maximizing retirement income and preserving assets for bequests;
5. Develop communication strategies to help clients understand withdrawal decisions and manage retirement spending anxiety. 

Your presenter is Eric Ludwig, Ph.D., CFP® RICP®, Assistant Professor of Retirement Income, RICP® Program Director, Executive Director of the Center for Retirement at The American College of Financial Services. 

Eric Ludwig, Ph.D., CFP®, RICP®, stands at the intersection of academia and real-world financial expertise. As a well-regarded retirement planning thought leader, he serves as an Assistant Professor of Retirement Income and directs the RICP® program. In his role as the Executive Director of the Center for Retirement at The American College of Financial Services, Eric's dedication to research and innovation is evident. He's committed to crafting solutions that not only ensure financial stability for investors but also enrich their personal lives, recognizing the intertwined nature of financial security and personal fulfillment in retirement.

Ludwig has been in the financial services industry for over 16 years, ten of which as the CEO at Stockbridge Private Wealth Management. This blend of hands-on industry experience and academic rigor equips him with a dynamic and pragmatic viewpoint. His multifaceted expertise as a practitioner, educator, and researcher grants him a profound grasp of behavioral finance and retirement planning, leading to pioneering research in the field. 

Moderator: Betty Meredith, CFA, CFP®, CRC®, Int’l Retirement Resource Center

1 hr CFP®, CRC®, and other CE Credit Reporting

We will report your CFP® and/or CRC® credit (no additional reporting fee) checkout.  After purchase you will receive an email with a token. Please redeem token to take this course. You will receive another email explaining where to enter your CFP® and/or CRC® IDs  You are responsible for reporting all other certifications for CE credit. 

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