{"id":90,"date":"2026-10-12T14:00:00","date_gmt":"2026-10-12T14:00:00","guid":{"rendered":"https:\/\/www.wealthsmartadvisory.com\/blog\/?p=90"},"modified":"2026-10-12T14:00:00","modified_gmt":"2026-10-12T14:00:00","slug":"us-retirees-revisit-spend-it-all-strategy","status":"publish","type":"post","link":"https:\/\/www.wealthsmartadvisory.com\/blog\/2026\/10\/12\/us-retirees-revisit-spend-it-all-strategy\/","title":{"rendered":"US Retirees Revisit Spend-It-All Strategy"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/heinrich-edimo\/die-zero-financial-231b\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Lately, there\u2019s renewed interest among US retirees in the so-called &#039;spend-it-all&#039; approach\u2014drawing down assets more freely to savor meaningful experiences or support loved ones. It\u2019s easy to see the appeal, especially since many retirees underspend even in the years meant for enjoying the fruits of their labor. Yet, thoughtful planning remains non-negotiable. A recent survey reveals that about half of Americans still do not have a written financial plan, and this type of strategy calls for disciplined budgeting and intentional saving. Interestingly, many retirees already withdraw less than the traditional 4% rule, and research shows some households end up with nearly all their original retirement assets, even late in life.<\/p>\n<p>However, accelerating spending or gifting can introduce tax complications: larger withdrawals may push you into higher tax brackets, and heirs might miss out on valuable step-up basis opportunities. One solution that\u2019s often overlooked is securing permanent life insurance earlier in the planning process\u2014allowing you the flexibility to enjoy your wealth today, while still providing a tax-free legacy for your heirs and access to policy value if needed.<\/p>\n<p>At WealthSmart Advisory Group, I work with clients to engineer a strategy that balances personal fulfillment, financial security, and multi-generational wealth. After all, wealth is not an accident\u2014it\u2019s something we build deliberately, aligning every decision with your bigger picture.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Lately, there\u2019s renewed interest among US retirees in the so-called &#039;spend-it-all&#039; approach\u2014drawing down assets more freely to savor meaningful experiences or support loved ones. It\u2019s easy to see the appeal, especially since many retirees underspend even in the years meant for enjoying the fruits of their labor. Yet, thoughtful planning remains non-negotiable. A recent survey [&hellip;]<\/p>\n","protected":false},"author":433,"featured_media":91,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-90","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts\/90","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/users\/433"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/comments?post=90"}],"version-history":[{"count":1,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts\/90\/revisions"}],"predecessor-version":[{"id":92,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts\/90\/revisions\/92"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/media\/91"}],"wp:attachment":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/media?parent=90"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/categories?post=90"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/tags?post=90"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}