Some financial advisors can be rather critical when it comes to financial planning rules of thumb, or heuristics that provide general guidance to households about how to invest, save or potentially spend in retirement. The most lamented is probably the 4{9f99fe44fce1aa3c813d0a0ce4da2fbea8a5a58e9d85c4a2927dd8140cb676b5} rule, but there are others such as target-date funds, delaying claiming Social Security, or saving 15{9f99fe44fce1aa3c813d0a0ce4da2fbea8a5a58e9d85c4a2927dd8140cb676b5} of your pay. In each instance, the respective rule of thumb is obviously imperfect. Anyone who has put together more than one financial plan knows that people are different, with varying goals, preferences and situations. I vividly remember when I first started putting together financial plans, the target retirement income goal was different…