Episode 132: Oh Mandy! Let's Talk About Taxes In Transition, Portfolio Analysis, Preferred Shares And Setting Withdrawal Rates!

<p>In this Barry-Barry-nice episode, we address an email from &quot;Mandy&quot; about her transition to retirement.  We discuss minimizing the taxes with long-term capital gains rates, a proposed NTSX-based portfolio, preferred shares funds and how to think about setting your personal withdrawal rate in a flexible way that matches your actual expenses.<br/><br/>Links:  <br/><br/>NTSX-Based Portfolio Analyses:  <a href='https://www.portfoliovisualizer.com/backtest-portfolio?s=y&amp;timePeriod=2&amp;startYear=1985&amp;firstMonth=1&amp;endYear=2021&amp;lastMonth=12&amp;calendarAligned=true&amp;includeYTD=false&amp;initialAmount=10000&amp;annualOperation=0&amp;annualAdjustment=400&amp;inflationAdjusted=true&amp;annualPercentage=0.0&amp;frequency=4&amp;rebalanceType=1&amp;absoluteDeviation=5.0&amp;relativeDeviation=25.0&amp;leverageType=0&amp;leverageRatio=0.0&amp;debtAmount=0&amp;debtInterest=0.0&amp;maintenanceMargin=25.0&amp;leveragedBenchmark=false&amp;reinvestDividends=true&amp;showYield=false&amp;showFactors=false&amp;factorModel=3&amp;benchmark=VBINX&amp;portfolioNames=true&amp;portfolioName1=60+NTSX%2F30+PFF%2F10+VWSTX&amp;portfolioName2=50+NTSX%2F30+PFF%2F20+VWSTX&amp;portfolioName3=70+NTSX%2F20+PFF%2F10+VWSTX&amp;symbol1=NTSX&amp;symbol2=PFF&amp;allocation2_1=30&amp;allocation2_2=30&amp;allocation2_3=20&amp;symbol3=VWSTX&amp;allocation3_1=10&amp;allocation3_2=20&amp;allocation3_3=10&amp;symbol4=SPY&amp;allocation4_1=54&amp;allocation4_2=45&amp;allocation4_3=63&amp;symbol5=TLT&amp;allocation5_1=8&amp;allocation5_2=6&amp;allocation5_3=10&amp;symbol6=IEF&amp;allocation6_1=14&amp;allocation6_2=12&amp;allocation6_3=16&amp;symbol7=SHY&amp;allocation7_1=14&amp;allocation7_2=12&amp;allocation7_3=16&amp;symbol8=CASHX&amp;allocation8_1=-30&amp;allocation8_2=-25&amp;allocation8_3=-35'>Backtest Portfolio Asset Allocation (portfoliovisualizer.com)</a><br/><br/>Article re Preferred Shares Funds:   <a href='https://seekingalpha.com/article/4279714-preferred-stock-etfs-taking-closer-look-pffd-pffr-psk'>Preferred Stock ETFs: