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No. of Recommendations: 3
ptheland: "The easiest way of analyzing the investment expense is to just include it as another planned expense in retirement. The retiree needs to pay for food and housing and gasoline and travel and many other expenses out of their withdrawals. If you're going to use a financial adviser that charges a fee, that fee has to be included in your planned expenses."

While I do nto disagree with what you write, it does not address the OP's point. If someone claims that the 4% SWR (rule of thumb/subject to all the sual caveats) is too high, but the reason is there was an assumed 1% fee, then the reputed claim is skewed and failing to disclose the skew is misleading.

It appears that the OP may be referring to someone who is really saying that one cannot pay 1% in fees and also take 4% because 5% SWR is too large, which most here probably would not dispute.

Regards, JAFO
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