Four percent annual withdrawals from a defensively positioned portfolio may be a good starting point for discussing retirement income, but in reality, such a simple approach will not work for everyone. A robust retirement income plan includes consideration of anticipated mandatory and discretionary expenses, regular assessments of risk in the equity portfolio, active coordination of bond holdings, minimization of taxes, the weighing of income insurance and much more. Find below a series of helpful articles on all these topics. We hope you will share some of what you read with a client or colleague.
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