The $2 Million Portfolio Plan No Advisor Wants You to See

I'm a former financial advisor and portfolio manager, and here's exactly how I'd invest $2 million in retirement using just two funds, following the same 90/10 plan Warren Buffett put in writing for his own estate. Then I'll show you why the 4% rule is dead (according to the man who invented it), and how this portfolio can pay you $120,000 a year while actually getting bigger. In this video: 1) The 90/10 allocation and the 2013 Pfau/Kitces research showing stock-heavy portfolios FAIL LESS in retirement than "safe" conservative ones 2) Why your 10% belongs in short-term Treasuries (Buffett's version) or TIPS (Burton Malkiel's version) 3) The $19,400 a year you're paying an advisor to click the same buttons and invest you in the same funds 4) The part of the famous Trinity Study NOBODY quotes: the median all-stock retiree following the 4% rule ended 30 years with roughly 10X their starting money 5) Why Bill Bengen (the creator of the 4% rule) now says the number is closer to 5.5% 6) My actual withdrawal plan: 6% rising to 7%, stress-tested through the dot-com crash and 2008 7) The "high-stakes bingo" phase: why dying with millions unspent is a failure, not a victory This is my math and my plan, not financial advice. Run your own numbers before you change anything, as that's the entire point of this channel. Want one money playbook that actually works, every week, for free? Join my newsletter: socialcapconnect.substack.com/subscribe 🎧 Podcast: Your Money Guide on the Side 📖 My book REAL WEALTH (W.W. Norton) is out December 1 — pre-order here: tylergardner.com/book Research cited: Wade Pfau & Michael Kitces, "Reducing Retirement Risk with a Rising Equity Glide Path" (2013) William Bengen, "Determining Withdrawal Rates Using Historical Data" (1994) Cooley, Hubbard & Walz, "Retirement Savings: Choosing a Withdrawal Rate That Is Sustainable," the Trinity Study (1998) I'm not a financial advisor and this isn't financial advice. It's one guy, two funds, and a century of market data.