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The Retirement Huddle

Financial and retirement planning guidance with Mark Howard of the Howard Financial Group in Savannah.

Mark has almost three decades of experience in the financial industry, has been published in the Wall Street Journal, Barron's, South Magazine and several other publications. He has also been featured on the Savannah Morning News.

In addition to clients in Savannah, Mark also serves Hilton Head, Bluffton, Statesboro, and the rest of the Low Country.

To get your own Financial Game Plan, contact Mark today at 888-511-PLAN (7526) or go to

Apr 4, 2024

There are certain rules of thumb in the financial industry, many of which you might’ve heard of. For example, the “Rule of 100” or the “4% Rule” might sound familiar to you. But how helpful are these rules of thumb in real-life planning?

In this episode, Mark walks through 5 common financial rules and shares his thoughts as a financial advisor.


Here’s some of what we discuss in this episode:

  • The Rule of 100 is a helpful way to think about risk and savings as you approach retirement
  • Why Mark generally disagrees with the 75% Rule
  • The 6-Month Savings Rule is a reasonable guideline for emergency funds
  • The accuracy of Wall Street’s Rule of 5
  • The danger of the 4% Rule + the importance of comprehensive withdrawal strategies


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