for nightly business report, i'm sharon emerson. >> for more on how much to withdraw during retirement, we're joined by kerry. financial adviser with united capital wealth management. thanks for joining us. let me just begin by asking you, where do you stand on this 4% rule. does it still work or doesn't it? >> i believe that the 4% rule is a valid point, but there is no one size fits all for financial planning. clientses need to know more importantly, what they save, what they spend, how much they are going to leave to their heirs, when they're going to retire and what their risk tolerance is. >> if it's not 4%, carrie, it has to be an individual calculation based on some of the things you just mentioned there, like how much you saved, how much you're going to spend. and i would think, significantly how much money you're going to have coming in from other security or retirement ocial annuities. >> absolutely, it all factors in. you have your buckets of money, taxable money and nontaxable money. you have to take it the most tax efficient way, you want to take it from your buckets that