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Horsesmouth Essential: Clients’ subjective life expectancy factors into many retirement decisions, and often presents a conflict between “living for today” and “saving for tomorrow.” But a retirement plan that uses different life expectancies for different goals can help your clients get the best of both worlds.
Conventional wisdom may be overestimating how much clients need in retirement. Recent research shows that the growth rate in retiree spending looks like a “smile”—expenses grow most rapidly at the beginning and end of retirement, with an offsetting dip in the middle. Bottom line, clients may need 20% less in savings than originally thought.
TheStreet: When you really want to know what counts for success in retirement—ask an 80-year-old.
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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