Chris Kawashima CFP®, Senior Research Analyst, Financial Planning, Schwab Center for Financial Research Recent articles Retirement Plan your next chapter Beyond the 4% Rule: How Much Can You Spend in Retirement? by Rob Williams, Chris Kawashima August 23, 2021 How much can you spend in retirement without running out of money? The “4% rule” is a popular rule of thumb, but we think you can do better. Here are our guidelines for finding your personalized spending rate. Personal Finance & Planning Understanding the Risks of Employee Stock Options by Chris Kawashima November 22, 2019 How you manage your employee stock options can affect your taxes and financial plan.