Your Money

Throughout my years of retirement planning, I’ve often heard the saying, “I want my last check to bounce.” Yet, even among the wealthiest individuals, one of the greatest fears remains the possibility of outliving their money.

A recent study reveals that retirees withdraw just 2.1% of their savings annually—well below the widely recommended 4% rule. This hesitancy is often driven by concerns about market volatility, increased longevity, and the mental shift from saving to spending. However, financial experts advocate for a balanced approach: enjoying your hard-earned savings while covering essential expenses through steady income sources like Social Security and pensions. Setting intentional goals like a dedicated travel fund can empower retirees to spend confidently and without guilt.

At PWM, we prioritize helping you embrace the rewards of your hard work. With comprehensive financial, cash flow, and investment planning, we help you live and spend confidently for today while securing tomorrow’s financial stability and legacy goals.

Even Rich Retirees Fear Outliving Their Money
by Anne Tergesen

Your Life

Gluten seems to be everywhere these days, but what exactly is it, and how does it affect your health? This article from Johns Hopkins Medicine breaks it down, explaining how gluten—a protein found in wheat, barley, and rye—impacts digestion and why some people need to avoid it. Whether you’re curious about gluten sensitivity or just want to make informed food choices, this guide has the answers.

Gluten: What Is It and Should You Avoid It?
by Selvi Rajagopal, M.D., M.P.H.

Complexity Simplified

Not all rice is created equal! Whether you’re cooking up a creamy risotto, a fluffy pilaf, or a hearty stir-fry, choosing the right type of rice can make all the difference. This guide from Simply Recipes breaks down popular rice varieties—like jasmine, basmati, and arborio—and how to use them to elevate your dishes. Time to level up your rice game!

Rice 101: Finding the Perfect Grain for Your Meal
by Cecilia Hae-Jin Lee

Trivia