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Paul Merriman

LIVE IT UP WITHOUT OUTLIVING YOUR MONEY!

Balance enjoying today with planning for tomorrow.
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What Will You Learn?

Withdraw more income in retirement using scientific portfolio optimization – Live It Up Without Outliving Your Money! by Paul Merriman proves retirees can spend more safely.

This comprehensive retirement income book summary and strategies reveal:

  • Ultimate Buy-and-Hold Portfolio - Combine 10 asset classes reducing risk while increasing returns
  • 4% Plus Strategy - Safely withdraw more than traditional rules using dynamic adjustments
  • Two-Fund Retirement Solution - Split between stocks and bonds based on personal risk capacity
  • Tax-Efficient Withdrawal Sequence - Maximize after-tax income by tapping accounts strategically



What most summaries miss: Merriman's "small-cap value tilt" adds 2% annual returns over traditional balanced portfolios long-term.

Implement Click.Apply.Grow™ retirement income: Diversify globally across asset classes. Rebalance annually. Adjust withdrawals for market conditions. Retirees using Merriman's approach enjoy 40% more lifetime income without running out.

Live well. Leave legacy.

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About the Author

Paul Merriman is the index investing champion whose free education foundation democratized retirement strategies for millions of Americans.

Founder of Merriman Wealth Management, now dedicating all profits to investor education through The Merriman Financial Education Foundation 501(c)(3). Author of "We're Talking Millions" and developer of Vanguard-based portfolios. Creator of paulmerriman.com's free resources. Former president managing billions. Now teaching from Bainbridge Island and San Miguel de Allende. His "Ultimate Buy-and-Hold" strategy outperformed traditional approaches for decades.

What sets Merriman apart: He walked away from managing money to teach it freely—rare integrity in fee-obsessed finance.

His two-fund portfolios simplify investing radically. DIY investors using Merriman's strategies accumulate 50% more retirement wealth than typical 401(k) participants.

The wealth manager who gave away the blueprint.

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