A link to the rebalancing spreadsheet may be found on this web page. Look for the green DOWNLOAD button in the Downloads/Resources section of this web page above and click on it.  You'll then have to click on the download arrow in the upper right.  Once the spreadsheet is opened, go to the Start tab in the lower left corner and then choose the right version of the WMB portfolio.

Yes, but other brokerage firms do not have an auto-rebalancing program available for individual investors (without charging extra advisory fees),  as Fidelity does. Most brokerage firms provide an auto-rebalancing service, but is only available through managed accounts under advisor supervision that charge 0.35% per year and higher.  You can do the monthly rebalancing manually, as I show you how to do at Schwab in this video for example.  The other alternative is to leave 5% in cash at the start of each year - but in this case, only 95% of your capital would be put to work.   

RMD stands for Required Minimum Distribution and they are applicable only to traditional IRAs and Traditional 401Ks. (They do not apply to Roth IRAs, Roth 401Ks or to taxable brokerage accounts).  The IRS forces retirees to make withdrawals by age 70.5 so that they can tax you on the contributions, growth and income in your traditional qualified account.

No. All investors (younger and senior), need to rebalance their portfolios annually.  Only seniors draw down their accounts during retirement on a monthly basis to help pay for living expenses as well as to meet RMD requirement (in the case of a traditional IRA or 401K).  For seniors, I recommend setting up an auto-rebalancing program so they don't have to make monthly position size adjustments.

To calculate your RMDs for a traditional IRA or traditional 401K, you can use the RMD calculators at IRS.gov or at Bankrate.com  Simply input your current retirement account value and age, and the calculator will autonatically tell you how much you should be drawing down your account by each year based on an actuarial table.

Fidelity does not allow you to use ETFs in their auto-rebalancing program - you have to use mutual funds only.  In this case, I designed a version of WMB for seniors that uses low-cost, benchmark indexed Vanguard mutual funds.

You should be contributing at least 10% of your gross income into your WMB Roth IRA in order to secure a secure and comfortable retirement. It is not wide to rely on social security alone to meet monthly living expenses during retirement.