What you'll learn
How we define clear, probability-based spending ranges
See how guardrails use real market data and probability modeling to set a safe spending range.
What triggers an adjustment and why those moments matter
Learn the key signals that prompt a spending change, and why making small adjustments at the right time helps keep your plan on track.
Why this framework works better than other, outdated strategies
Discover how modern guardrails avoid the rigid rules and guesswork that can undermine older retirement approaches.
Modern Guardrails
Walkthrough
Watch video
Why We Use Risk-Based Guardrails With Every Client
It adapts based on the actual trajectory of your plan, not static withdrawal rates or overly cautious assumptions.
It’s probability-based, reframed in terms clients can actually act on. No confusing or misleading percentages.
This is the system we use behind the scenes with every client we serve.
Downloadable Guide
Learn the retirement income strategy we use everyday
“...we know that life is going to change. We’re going to have stock markets up and down, everything is going to change…as long as we stay within the guardrails we are always going to be pointed towards our final objective.”
Roland Sigler
Retired Age 67
Client has no conflicts of interest and received no compensation for review. View not representative. Read more reviews at www.wt.reviews/b-b
Most retirement plans focus on getting you to retirement. Ours are built to guide you through it.
I believe the real value of a financial plan isn’t in spreadsheets or projections—it’s in giving you the clarity and confidence to make better decisions. That’s what risk-based guardrails provide: a way to know how much you can safely spend, when to make small adjustments, and when it’s okay to enjoy what you’ve worked so hard to build.
This strategy defines your safe spending range using real probabilities. You’ll know when you’re on track, when a small adjustment makes sense, and when you have room to enjoy more.
I use this framework with every family I serve. It’s practical. It’s adaptable. And it works.
This strategy defines your safe spending range using real probabilities. You’ll know when you’re on track, when a small adjustment makes sense, and when you have room to enjoy more.
I use this framework with every family I serve. It’s practical. It’s adaptable. And it works.
Nick Davis, CFP®
Founder, Lead Financial Planner
Take the First Step Toward a Smarter Income Plan
Learn how we structure retirement income for the families we work with every day.
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