Retirement Planning

Retirees Face Numerous Risks

Longevity

• Long retirement Horizons

Withdrawals

• What rate is sustainable?
• Sequencing by tax bucket
• Managing RMDs

Retirement Income

Solvency

• Pension plans and retiree benefits -- a thing of the past
• Social Security and Medicare

Retiree Spending

• Replacement ratio
• Essential versus lifestyle expenses
• Medical expenses

Market Volatility

• Uncertain returns and income
• Impact of point in time
• Asset allocation and location

Savings

• Underfunded defined contribution accounts

Inflation

• Erodes the value of savings and reduces returns