---
title: Is the 4% Safe Rule Still True?
description: "The 4% Safe Withdrawal Rule has been a \"gold standard\" of retirement planning, but a lot has changed over these decades. Is it still true for everyone?"
image: https://blog.creekmurwealth.com/hubfs/Retirement%20compass.jpg
---
- [Reserve A Consultation](https://creekmurwealth.com/contact-us/)
- Client Access
- [Client Access](https://creekmurwealth.com/client-access/)
- [Legacy Club](https://creekmurwealth.com/ambassador-program/)
- [Request An Update With Your Advisor](https://creekmurwealth.com/current-clients/)
[](https://creekmurwealth.com)
- [Team](https://creekmurwealth.com/creekmur-wealth-team/)
- [Locations](https://creekmurwealth.com/locations/)
- [Wealth Solutions](https://creekmurwealth.com/wealth-solutions/)
- Resources
- [In the Media](https://creekmurwealth.com/in-the-media/)
- [Planning Tools](https://creekmurwealth.com/planning-tools/)
- [Webinars](https://creekmurwealth.com/webinar/)
- [Blog](https://blog.creekmurwealth.com/blog)
- [Events](https://creekmurwealth.com/events/)
- [Contact Us](https://creekmurwealth.com/contact-us/)
- [Join Our Team](https://content.creekmurwealth.com/join-our-team-0)
- [Team](https://creekmurwealth.com/creekmur-wealth-team/)
- [Locations](https://creekmurwealth.com/true-wealth-process/)
- [Wealth Solutions](https://creekmurwealth.com/wealth-solutions/)
- Resources
- [In the Media](https://creekmurwealth.com/in-the-media/)
- [Planning Tools](https://creekmurwealth.com/planning-tools/)
- [Webinars](https://creekmurwealth.com/webinar/)
- [Blog](https://blog.creekmurwealth.com/blog)
- [Events](https://creekmurwealth.com/events/)
- [Contact Us](https://creekmurwealth.com/contact-us/)
- [Client Access](https://creekmurwealth.com/true-wealth-process/#)
- [Client Access](https://creekmurwealth.com/client-access/)
- [Legacy Club](https://creekmurwealth.com/ambassador-program/)
- [Request An Update With Your Advisor](https://creekmurwealth.com/current-clients/)
## Educate, Encourage, Empower
# Is the 4% Safe Rule Still True?
Posted by [Drew Creekmur, MSPFP](https://blog.creekmurwealth.com/blog/author/drew-creekmur-mspfp) on 9:00 AM on April 13, 2021
Find me on:
[LinkedIn](https://www.linkedin.com/in/andrew-creekmur-mspfp-4195166b/)
The 4% Safe Withdrawal Rule has been a "gold standard" of retirement planning for about 25 years now. It's no secret that much has changed over these decades. Does this rule still stand?
The 4% rule says that starting in the first year you retire you can pull out 4% from your investments (adjusted for inflation) each year and you will never run out of money assuming a thirty-year retirement.
We have to remember that “rules of thumb” are a good starting place, but this particular rule has become one that’s often quoted, accepted with blind faith, and is not usually adjusted for each individual scenario.
Recently [Bill Bengen](https://www.retailinvestor.org/pdf/Bengen1.pdf), the creator of this guideline, has written some interesting material adjusting and fine-tuning his 4% Safe Withdrawal Rule. It was never his intention that this rule be treated like a law of nature or be used in a “one-size-fits-all” way. His goal was to create a simple starting place for individuals to determine the amount they could safely withdraw.
The current research indicates that the safe withdrawal rate right now is closer to 5%. Historically that number has been as high as 7%. If those historical averages continue, it’s possible that you could start in year one of retirement pulling out 7% of your investment accounts, adjust that for inflation each year, and not run out of money for a 30 year retirement.
The danger of accepting general guidelines with blind faith could cause you to limit yourself more than necessary. For example, following the 4% rule rather than using historical guidelines could keep you from being able to travel, give gifts to family or donate to your favorite charity. Our goal with money is not to just to end up with a higher net worth or large investment account. Rather, we encourage our clients to save and invest money so they're able to live the life they want to live.
> #### Our goal is that you are able accomplish the things that are most important to you. After all the years of hard work, we want each of our clients to be able to realize their goals during retirement.
How should you determine your personal “safe withdrawal rule”?Get started by knowing your own numbers:
- Your annual expenses.
- Your current investment performance.
- The amount of risk in each of your accounts.
- Calculate all of your income sources.
With a clear picture of your financial situation you are able to create a projection of safe withdrawal that’s right for you. If you are not confident of the actual amount you are able to pull out of your investment accounts during retirement, we would encourage you to take some time to work through your real numbers. If you need help with those calculations, give us a call.
> We want you to be able to fully enjoy the results of your years of labor and have the peace of mind that comes from knowing your personal “safe withdrawal rule."
*Do you have other questions about retirement?*
*Text our team for answers at 309-925-2043!*
source: [https://www.investopedia.com/terms/f/four-percent-rule.asp](https://www.investopedia.com/terms/f/four-percent-rule.asp)
Topics: [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement)
Search Our Site
### Subscribe Here!
### Recent Posts
### Posts by Tag
- [Financial Planning (109)](https://blog.creekmurwealth.com/blog/tag/financial-planning)
- [Retirement (72)](https://blog.creekmurwealth.com/blog/tag/retirement)
- [Investing (54)](https://blog.creekmurwealth.com/blog/tag/investing)
- [Uncategorized (44)](https://blog.creekmurwealth.com/blog/tag/uncategorized)
- [Planning (27)](https://blog.creekmurwealth.com/blog/tag/planning)
- [Investments (24)](https://blog.creekmurwealth.com/blog/tag/investments)
- [Stock Market (24)](https://blog.creekmurwealth.com/blog/tag/stock-market)
- [market volatility (18)](https://blog.creekmurwealth.com/blog/tag/market-volatility)
- [market risks (17)](https://blog.creekmurwealth.com/blog/tag/market-risks)
- [saving and investing (17)](https://blog.creekmurwealth.com/blog/tag/saving-and-investing)
- [Investments and risk (16)](https://blog.creekmurwealth.com/blog/tag/investments-and-risk)
- [Build True Wealth (15)](https://blog.creekmurwealth.com/blog/tag/build-true-wealth)
- [Certified Financial Planner, CFP (14)](https://blog.creekmurwealth.com/blog/tag/certified-financial-planner-cfp)
- [Goals (13)](https://blog.creekmurwealth.com/blog/tag/goals)
- [From John's Desk (11)](https://blog.creekmurwealth.com/blog/tag/from-johns-desk)
- [Investment Portfolio (11)](https://blog.creekmurwealth.com/blog/tag/investment-portfolio)
- [Roth IRA (11)](https://blog.creekmurwealth.com/blog/tag/roth-ira)
- [Life Insurance (10)](https://blog.creekmurwealth.com/blog/tag/life-insurance)
- [Saving (10)](https://blog.creekmurwealth.com/blog/tag/saving)
- [Wealth Management (10)](https://blog.creekmurwealth.com/blog/tag/wealth-management)
- [taxes (10)](https://blog.creekmurwealth.com/blog/tag/taxes)
- [long term objectives (9)](https://blog.creekmurwealth.com/blog/tag/long-term-objectives)
- [IRA (8)](https://blog.creekmurwealth.com/blog/tag/ira)
- [Annuities (7)](https://blog.creekmurwealth.com/blog/tag/annuities)
- [Insurance (7)](https://blog.creekmurwealth.com/blog/tag/insurance)
- [Social Security (7)](https://blog.creekmurwealth.com/blog/tag/social-security)
- [Build Wealth (6)](https://blog.creekmurwealth.com/blog/tag/build-wealth)
- [Retirement Income (6)](https://blog.creekmurwealth.com/blog/tag/retirement-income)
- [Market turbulence (5)](https://blog.creekmurwealth.com/blog/tag/market-turbulence)
- [RetirementRSS (5)](https://blog.creekmurwealth.com/blog/tag/retirementrss)
- [Social Security income (5)](https://blog.creekmurwealth.com/blog/tag/social-security-income)
- [Tax Benefits (5)](https://blog.creekmurwealth.com/blog/tag/tax-benefits)
- [Taxes in Retirment (5)](https://blog.creekmurwealth.com/blog/tag/taxes-in-retirment)
- [Tolerating Risk with Investments (5)](https://blog.creekmurwealth.com/blog/tag/tolerating-risk-with-investments)
- [Why is my portfolio not performing? (5)](https://blog.creekmurwealth.com/blog/tag/why-is-my-portfolio-not-performing)
- [403(b) (4)](https://blog.creekmurwealth.com/blog/tag/403b)
- [Claiming Social Security (4)](https://blog.creekmurwealth.com/blog/tag/claiming-social-security)
- [Disability Insurance (4)](https://blog.creekmurwealth.com/blog/tag/disability-insurance)
- [Insurance policies (4)](https://blog.creekmurwealth.com/blog/tag/insurance-policies)
- [Money Matters (4)](https://blog.creekmurwealth.com/blog/tag/money-matters)
- [Roth IRAs (4)](https://blog.creekmurwealth.com/blog/tag/roth-iras)
- [S&P 500 (4)](https://blog.creekmurwealth.com/blog/tag/sp-500)
- [Tax Planning (4)](https://blog.creekmurwealth.com/blog/tag/tax-planning)
- [Wealth Advisor (4)](https://blog.creekmurwealth.com/blog/tag/wealth-advisor)
- [inflation (4)](https://blog.creekmurwealth.com/blog/tag/inflation)
- [small business owner (4)](https://blog.creekmurwealth.com/blog/tag/small-business-owner)
- [tolerating risk (4)](https://blog.creekmurwealth.com/blog/tag/tolerating-risk)
- [401k (3)](https://blog.creekmurwealth.com/blog/tag/401k)
- [Aging (3)](https://blog.creekmurwealth.com/blog/tag/aging)
- [College Planning (3)](https://blog.creekmurwealth.com/blog/tag/college-planning)
- [Details about Medicare (3)](https://blog.creekmurwealth.com/blog/tag/details-about-medicare)
- [Estate Planning (3)](https://blog.creekmurwealth.com/blog/tag/estate-planning)
- [Insurance Risk (3)](https://blog.creekmurwealth.com/blog/tag/insurance-risk)
- [RMD (3)](https://blog.creekmurwealth.com/blog/tag/rmd)
- [RMDs (3)](https://blog.creekmurwealth.com/blog/tag/rmds)
- [Required Minimum Distributions (3)](https://blog.creekmurwealth.com/blog/tag/required-minimum-distributions)
- [Roth Conversions (3)](https://blog.creekmurwealth.com/blog/tag/roth-conversions)
- [Save and invest (3)](https://blog.creekmurwealth.com/blog/tag/save-and-invest)
- [Stay focused on objectives (3)](https://blog.creekmurwealth.com/blog/tag/stay-focused-on-objectives)
- [Taxes and retirees (3)](https://blog.creekmurwealth.com/blog/tag/taxes-and-retirees)
- [Working Women (3)](https://blog.creekmurwealth.com/blog/tag/working-women)
- [emotions in investing (3)](https://blog.creekmurwealth.com/blog/tag/emotions-in-investing)
- [financial legacy (3)](https://blog.creekmurwealth.com/blog/tag/financial-legacy)
- [small business (3)](https://blog.creekmurwealth.com/blog/tag/small-business)
- [Budgeting (2)](https://blog.creekmurwealth.com/blog/tag/budgeting)
- [FAFSA (2)](https://blog.creekmurwealth.com/blog/tag/fafsa)
- [Financial Freedom (2)](https://blog.creekmurwealth.com/blog/tag/financial-freedom)
- [Invest (2)](https://blog.creekmurwealth.com/blog/tag/invest)
- [Investment Advisor (2)](https://blog.creekmurwealth.com/blog/tag/investment-advisor)
- [Leaving a Legacy (2)](https://blog.creekmurwealth.com/blog/tag/leaving-a-legacy)
- [Medicare Enrollment (2)](https://blog.creekmurwealth.com/blog/tag/medicare-enrollment)
- [Medicare Parts A & B (2)](https://blog.creekmurwealth.com/blog/tag/medicare-parts-a-b)
- [Money (2)](https://blog.creekmurwealth.com/blog/tag/money)
- [Newlyweds (2)](https://blog.creekmurwealth.com/blog/tag/newlyweds)
- [Power of Attorney (2)](https://blog.creekmurwealth.com/blog/tag/power-of-attorney)
- [Stagflation (2)](https://blog.creekmurwealth.com/blog/tag/stagflation)
- [Staying out of debt (2)](https://blog.creekmurwealth.com/blog/tag/staying-out-of-debt)
- [Surviving Spouse (2)](https://blog.creekmurwealth.com/blog/tag/surviving-spouse)
- [Tax Forms (2)](https://blog.creekmurwealth.com/blog/tag/tax-forms)
- [Tax on Social Security Income (2)](https://blog.creekmurwealth.com/blog/tag/tax-on-social-security-income)
- [Tax withholding (2)](https://blog.creekmurwealth.com/blog/tag/tax-withholding)
- [Widow (2)](https://blog.creekmurwealth.com/blog/tag/widow)
- [charitable IRA gift (2)](https://blog.creekmurwealth.com/blog/tag/charitable-ira-gift)
- [economy (2)](https://blog.creekmurwealth.com/blog/tag/economy)
- [long-term care (2)](https://blog.creekmurwealth.com/blog/tag/long-term-care)
- [tax deferred growth (2)](https://blog.creekmurwealth.com/blog/tag/tax-deferred-growth)
- [401ks (1)](https://blog.creekmurwealth.com/blog/tag/401ks)
- [529 Plan (1)](https://blog.creekmurwealth.com/blog/tag/529-plan)
- [Baby boomers should think about these (1)](https://blog.creekmurwealth.com/blog/tag/baby-boomers-should-think-about-these)
- [Credit Card use (1)](https://blog.creekmurwealth.com/blog/tag/credit-card-use)
- [Credit for Elderly or Disabled (1)](https://blog.creekmurwealth.com/blog/tag/credit-for-elderly-or-disabled)
- [Digital Assets (1)](https://blog.creekmurwealth.com/blog/tag/digital-assets)
- [Digital Profile (1)](https://blog.creekmurwealth.com/blog/tag/digital-profile)
- [Diversify Portfolio (1)](https://blog.creekmurwealth.com/blog/tag/diversify-portfolio)
- [Effects Credit History (1)](https://blog.creekmurwealth.com/blog/tag/effects-credit-history)
- [Elder Abuse (1)](https://blog.creekmurwealth.com/blog/tag/elder-abuse)
- [Elder Financial Abuse (1)](https://blog.creekmurwealth.com/blog/tag/elder-financial-abuse)
- [Eldercare needs (1)](https://blog.creekmurwealth.com/blog/tag/eldercare-needs)
- [Estate Plan (1)](https://blog.creekmurwealth.com/blog/tag/estate-plan)
- [FAFSA app (1)](https://blog.creekmurwealth.com/blog/tag/fafsa-app)
- [FAFSA apply by phone (1)](https://blog.creekmurwealth.com/blog/tag/fafsa-apply-by-phone)
- [Family Legacy (1)](https://blog.creekmurwealth.com/blog/tag/family-legacy)
- [Filling out FAFSA (1)](https://blog.creekmurwealth.com/blog/tag/filling-out-fafsa)
- [Financial Elder abuse (1)](https://blog.creekmurwealth.com/blog/tag/financial-elder-abuse)
- [Financial Scams (1)](https://blog.creekmurwealth.com/blog/tag/financial-scams)
- [Financially Skeptical (1)](https://blog.creekmurwealth.com/blog/tag/financially-skeptical)
- [Form 1099 (1)](https://blog.creekmurwealth.com/blog/tag/form-1099)
- [Fraudsters preying on Boomers and Elders (1)](https://blog.creekmurwealth.com/blog/tag/fraudsters-preying-on-boomers-and-elders)
- [Good Credit (1)](https://blog.creekmurwealth.com/blog/tag/good-credit)
- [Grandkids (1)](https://blog.creekmurwealth.com/blog/tag/grandkids)
- [Grandparents day (1)](https://blog.creekmurwealth.com/blog/tag/grandparents-day)
- [Homeowners (1)](https://blog.creekmurwealth.com/blog/tag/homeowners)
- [Inheritance (1)](https://blog.creekmurwealth.com/blog/tag/inheritance)
- [Legacy Assets (1)](https://blog.creekmurwealth.com/blog/tag/legacy-assets)
- [Legacy Planning (1)](https://blog.creekmurwealth.com/blog/tag/legacy-planning)
- [Lessons Learned (1)](https://blog.creekmurwealth.com/blog/tag/lessons-learned)
- [Marriage (1)](https://blog.creekmurwealth.com/blog/tag/marriage)
- [Medigap insurance (1)](https://blog.creekmurwealth.com/blog/tag/medigap-insurance)
- [Medigap policy (1)](https://blog.creekmurwealth.com/blog/tag/medigap-policy)
- [Memory Disorders (1)](https://blog.creekmurwealth.com/blog/tag/memory-disorders)
- [Millennials time to save (1)](https://blog.creekmurwealth.com/blog/tag/millennials-time-to-save)
- [Misconceptions about Medicare coverage (1)](https://blog.creekmurwealth.com/blog/tag/misconceptions-about-medicare-coverage)
- [News (1)](https://blog.creekmurwealth.com/blog/tag/news)
- [Privacy Protection (1)](https://blog.creekmurwealth.com/blog/tag/privacy-protection)
- [Roth 401k vs 401k (1)](https://blog.creekmurwealth.com/blog/tag/roth-401k-vs-401k)
- [Save (1)](https://blog.creekmurwealth.com/blog/tag/save)
- [Simple Retirement (1)](https://blog.creekmurwealth.com/blog/tag/simple-retirement)
- [Snowball effect (1)](https://blog.creekmurwealth.com/blog/tag/snowball-effect)
- [Stocks (1)](https://blog.creekmurwealth.com/blog/tag/stocks)
- [Successive Investment (1)](https://blog.creekmurwealth.com/blog/tag/successive-investment)
- [Tariffs (1)](https://blog.creekmurwealth.com/blog/tag/tariffs)
- [Tax defferred growth (1)](https://blog.creekmurwealth.com/blog/tag/tax-defferred-growth)
- [Teachers savings plan (1)](https://blog.creekmurwealth.com/blog/tag/teachers-savings-plan)
- [Team Approach (1)](https://blog.creekmurwealth.com/blog/tag/team-approach)
- [Trusted Contact (1)](https://blog.creekmurwealth.com/blog/tag/trusted-contact)
- [UFADDA (1)](https://blog.creekmurwealth.com/blog/tag/ufadda)
- [UTMA account (1)](https://blog.creekmurwealth.com/blog/tag/utma-account)
- [Uniting Personal Finances (1)](https://blog.creekmurwealth.com/blog/tag/uniting-personal-finances)
- [Wall Street Shocks (1)](https://blog.creekmurwealth.com/blog/tag/wall-street-shocks)
- [Women Investors (1)](https://blog.creekmurwealth.com/blog/tag/women-investors)
- [asset map (1)](https://blog.creekmurwealth.com/blog/tag/asset-map)
- [bull market (1)](https://blog.creekmurwealth.com/blog/tag/bull-market)
- [charitable donations (1)](https://blog.creekmurwealth.com/blog/tag/charitable-donations)
- [compounded interest (1)](https://blog.creekmurwealth.com/blog/tag/compounded-interest)
- [consumer debt (1)](https://blog.creekmurwealth.com/blog/tag/consumer-debt)
- [creating trust fund (1)](https://blog.creekmurwealth.com/blog/tag/creating-trust-fund)
- [cryptocurrency (1)](https://blog.creekmurwealth.com/blog/tag/cryptocurrency)
- [dollar cost averaging (1)](https://blog.creekmurwealth.com/blog/tag/dollar-cost-averaging)
- [emergency fund (1)](https://blog.creekmurwealth.com/blog/tag/emergency-fund)
- [get my credit score reviewed (1)](https://blog.creekmurwealth.com/blog/tag/get-my-credit-score-reviewed)
- [getting out of debt (1)](https://blog.creekmurwealth.com/blog/tag/getting-out-of-debt)
- [getting started (1)](https://blog.creekmurwealth.com/blog/tag/getting-started)
- [gold (1)](https://blog.creekmurwealth.com/blog/tag/gold)
- [grandchild education (1)](https://blog.creekmurwealth.com/blog/tag/grandchild-education)
- [identity theft (1)](https://blog.creekmurwealth.com/blog/tag/identity-theft)
- [impact of presidential elections (1)](https://blog.creekmurwealth.com/blog/tag/impact-of-presidential-elections)
- [paying off debt (1)](https://blog.creekmurwealth.com/blog/tag/paying-off-debt)
- [power of compounding (1)](https://blog.creekmurwealth.com/blog/tag/power-of-compounding)
- [risk of Alzheimers (1)](https://blog.creekmurwealth.com/blog/tag/risk-of-alzheimers)
- [rollover (1)](https://blog.creekmurwealth.com/blog/tag/rollover)
- [save early (1)](https://blog.creekmurwealth.com/blog/tag/save-early)
- [self-employed (1)](https://blog.creekmurwealth.com/blog/tag/self-employed)
- [volatility (1)](https://blog.creekmurwealth.com/blog/tag/volatility)
- [watch for Elder scams (1)](https://blog.creekmurwealth.com/blog/tag/watch-for-elder-scams)
See all
#### Quick Links
- [Client Access](https://creekmurwealth.com/client-access/)
- [Reserve a Consultation](https://creekmurwealth.com/contact-us/)
- [Events](https://creekmurwealth.com/events/)
- [In the Media](https://creekmurwealth.com/in-the-media/)
- [Planning Tools](https://creekmurwealth.com/planning-tools/)
- [Webinars](https://creekmurwealth.com/webinar/)
- [Blog](https://blog.creekmurwealth.com/blog)
#### [Advisor Team](https://creekmurwealth.com/creekmur-wealth-team/)
- [John Creekmur, CFP®](https://creekmurwealth.com/advisor/john-creekmur-cfp/)
- [Drew Creekmur, MSPFP](https://creekmurwealth.com/advisor/drew-creekmur-mspfp/)
- [Andy Anderson, CFP®](https://creekmurwealth.com/advisor/andy-anderson-cfp/)
- [Connor Creekmur, MBA](https://creekmurwealth.com/advisor/connor-creekmur/)
- [Andrew Pisel](https://creekmurwealth.com/advisor/andrew-pisel/)
- [Nicole Geraci, CFP®, AWMA®](https://creekmurwealth.com/advisor/nicole-geraci/)
- [Clark D. Randall, CFP®](https://creekmurwealth.com/advisor/clark-d-randall-cfp/)
- [Neal Woollard](https://creekmurwealth.com/advisor/neal-woollard/)
- [James Ferguson](https://creekmurwealth.com/advisor/james-ferguson/)
- [Nathan Mumme](https://creekmurwealth.com/advisor/nathan-mumme/)
- [Ryan Hauter](https://creekmurwealth.com/advisor/ryan-hauter/)
- [Emily Elfallah, CEPA](https://creekmurwealth.com/advisor/emily-elfallah-cepa/)
- [Maddi White, CEPA](https://creekmurwealth.com/advisor/maddi-white-cepa/)
- [Brian Bowen, CEPA](https://creekmurwealth.com/advisor/brian-bowen-cepa/)
#### [Locations](https://creekmurwealth.com/locations/)
- [Morton, IL](https://creekmurwealth.com/location/morton-il/)
- [Bourbonnais, IL](https://creekmurwealth.com/location/bourbonnais-il/)
- [Bloomington, IL](https://creekmurwealth.com/location/bloomington-il/)
- [Avon, CO](https://creekmurwealth.com/location/avon-co/)
- [Dallas, TX](https://creekmurwealth.com/location/dallas-texas/)
- [Maumee, OH](https://creekmurwealth.com/location/maumee-oh/)
- [Littleton, CO](https://creekmurwealth.com/location/littleton-co/)
- [Roanoke, VA](https://creekmurwealth.com/location/roanoke-va/)
- [facebook](https://www.facebook.com/CreekmurWealth)
- [linkedin](https://www.linkedin.com/company/creekmur-wealth-advisors/)
- [youtube](https://www.youtube.com/channel/UCo1yCnWNzE9d0QKXHferjog/)
- [instagram](https://www.instagram.com/creekmurwealth/)
© 2026 Creekmur Wealth Advisors. All Rights Reserved. | [Client Relationship Summary](https://creekmurwealth.com/wp-content/uploads/2025/03/Client-Relationship-Summary-Form-CRS-March-2025.pdf) | [Creekmur Asset Management Form ADV & Wrap Fee Program Brochure](https://creekmurwealth.com/wp-content/uploads/2025/03/Creekmur-Asset-Management-LLC-Form-ADV-Wrap-Fee-Brocuhure-February-2025.pdf) | [Consumer Privacy Policy](https://creekmurwealth.com/wp-content/uploads/2020/08/Creekmur-Consumer-Privacy-Policy-072020-02.pdf) | [Web Privacy Policy](https://creekmurwealth.com/privacy-policy/) | [Terms of Use](https://creekmurwealth.com/terms-of-use/) | [Disclaimer](https://creekmurwealth.com/disclaimer/) | [Podcast Disclosure](https://creekmurwealth.com/podcast-disclosure/)
```json
{
"@context" : "https://schema.org",
"@type" : "BlogPosting",
"author" : {
"@type" : "Person",
"name" : "Drew Creekmur, MSPFP",
"url" : "https://blog.creekmurwealth.com/blog/author/drew-creekmur-mspfp"
},
"dateModified" : "2021-04-13T14:00:02.506Z",
"datePublished" : "2021-04-13T14:00:00.000Z",
"headline" : "Is the 4% Safe Rule Still True?",
"image" : [ "https://blog.creekmurwealth.com/hubfs/Retirement%20compass.jpg" ],
"mainEntityOfPage" : {
"@id" : "https://blog.creekmurwealth.com/blog/safe-withdrawal-rule",
"@type" : "WebPage"
},
"publisher" : {
"@type" : "Organization",
"logo" : {
"@type" : "ImageObject",
"url" : "https://blog.creekmurwealth.com/hubfs/Creekmur_Logo_Horizontal_Color-2.png"
},
"name" : "Creekmur Wealth Advisors"
}
}
```