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In the quest for lifelong retirement income, many advisors and their clients follow strategies that have yet to be proven. Will a buy-and-hold portfolio hold up for 30 years? (Only if you're lucky.) Will a low-risk portfolio have a longer life? (There's a 60% chance of depletion.) How about buying a term annuity and investing the rest? (Then you face a 56% chance of depletion.) We identify the strategies and their probability of success.
Asking clients to take a "pay cut" in retirement is tough. How much to cut? And what are the chances of recovering from the loss? We chart four withdrawal scenarios along with some pay cut calculations to determine how effective "tweaking" the withdrawal rate really is.
Horsesmouth Essential: Even high-net-worth clients worry about outliving their retirement assets. Reassure them by conducting a stress test that quantifies exactly how inflation, market returns, and unanticipated needs could affect their retirement plan.
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Social Security and Medicare Workshop
With Elaine Floyd, CFP®
May 12–15, 2025
The Discovery Meeting Workshop: Transform Your Discovery Process
May 19–20, 2025