Recent research supports moving away from rigid withdrawal rates. Morningstar’s December 2025 analysis recommends a 3.9% starting safe withdrawal rate for new retirees with a 30-year horizon—not 4%.

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KMLM provides exposure to macro trends, price volatility, and environments where traditional assets struggle. Read more here.

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The conference room on Manhattan's west side fills with an unusual energy each Thursday afternoon. Women in tailored suits gather around polished mahogany ...