Rob Williams CFP®, CRPC®, Vice President, Financial Planning, Retirement Income and Wealth Management, 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 July 17, 2020 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. Retirement Investing a Lump Sum vs. an Annuity by Rob Williams June 14, 2021 Should you take a lump-sum pension payout, or a monthly income stream for life? How to decide. Retirement On Investing Onward Are You Ready to Retire Early? by Rob Williams June 11, 2021 Three steps to determine if you’re prepared to weather an earlier-than-expected exit from the workforce.