Here's an article once again rethinking the 4% SWR. With the right Financial Advisor (JP Morgan) you can withdraw more.
Rethinking the 4% retirement spending rule - Encore - MarketWatch
Now, J.P. Morgan is entering the fray with an alternative to the 4% rule of its own. The good news: You’re likely to be able to withdraw more than 4% of your account’s balance each year. The bad news: The method is fairly complicated to implement, so you will need the help of a financial adviser (which is good news for J.P. Morgan, which employs a network of them.)
The bank’s “Dynamic Withdrawal Strategy” adjusts both withdrawal rates and a portfolio’s investment allocations annually, in response to changes in both the markets and a retiree’s personal circumstances.
Rethinking the 4% retirement spending rule - Encore - MarketWatch