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Well, duh. I agree that you can only withdraw 3.00% if you're letting a financial advisor skim 1.00%, but why would you do that? You can put together a diversified portfolio at Vanguard for 0.10% in fees or less and take the 4% SWR you're entitled to.

Or, you can pay the 1%, and get a return of almost 4% more than the Vanguard index fund equivalent, for a net gain of 3%. Some things are worth paying for.

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