Does the 4% Withdrawal Rule Still Apply?

“We have never felt that the standard 4% withdrawal rule was particularly relevant,” says Jill Fopiano, president and CEO at O’Brien Wealth Partners in Boston.

“Each person’s situation is unique in terms of their assets, income and expenses, never mind their life expectancy and goals,” she says. “Layer different market environments on top of this, and it’s overly simplistic to calculate one percentage that applies to everyone. You’re far better off having a cash flow plan that factors in your own specific information.”

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Here’s what to know about tapping your retirement savings if you lose your job due to coronavirus

“While it is usually best not to touch your retirement funds, the pandemic and its impact on jobs and the economy have really hurt some who don’t have a sufficient rainy day fund,” Jill Fopiano, CEO of Boston-based O’Brien Wealth Partners, tells CNBC Make It. “The current situation might justify tapping retirement savings as a last resort.”

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Hand-holding in the pandemic: Wealth managers grapple with new reality

During the early days of March, Jill Fopiano was having trouble sleeping, waking up at 3 o’clock in the morning, maybe 4 o’clock. She’d been watching news of a virus in China, first out the corner of her eye – was this like swine flu? – then more squarely, as headlines rushed in about outbreaks on the west coast of America. Fopiano wondered, in the darkness, if she should shut down her office in Boston’s upscale Back Bay neighborhood.

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Welcome to your first bear market. Here’s what it means

The current bull market is the longest on record.  Millions of young investors have never known anything but a bull market.  Jill Fopiano, CEO of O’Brien Wealth Partners, shares her knowledge about bear markets.

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What to do if you can’t make your rent or mortgage payments because of the coronavirus pandemic

Millions of U.S. households are expected to face financial burdens in the wake of the coronavirus pandemic. In this CNBC article, O’Brien Wealth Partners CEO, Jill Fopiano, shares her advice.

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In choppy market, advisers tell investors in or near retirement to stand pat

Senior adviser Lis Zimmerman shares her thoughts in this article about retirees and concerns during volatile markets. Read more in the article by Robert Weisman for The Boston Globe.

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Jill Fopiano Podcast

In the Spotlight: Jill Fopiano

Jill Fopiano is featured in the Candy O’Terry’s podcast, The Story Behind Her Success.  Listen to their candid discussion.

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Commentary from Jill Fopiano

High Finance,Down-to-Earth: Jill Fopiano Focuses on What’s Personal

Get to know O’Brien Wealth Partners CEO, Jill Fopiano, in this piece by Carolyn Bick for The Business Journals.

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What Happens After the Fed’s Rate Cut on Wednesday?

The Federal Reserve is lowering interest rates on Wednesday for the third time since August. What happens after this rate cut? CEO of O’Brien Wealth Partners, Jill Fopiano, gives a helpful tip for dealing with this change. Read more in the article by Larry Edelman for The Boston Globe.

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