How to Plan Retirement Income for a Constrained Investor

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David Macchia will be speaking on this topic at Advisor Perspectives’ Market Outlook Summit on April 5. To register for this conference, which is free, click here.

In this article, I will explain how to structure an income strategy that best serves the needs of constrained investors. This is timely. Demographic, economic, cultural, and social forces argue for a new approach to retirement planning.

Few decisions are more crucial and consequential than a financial advisor’s recommendation to a retiree concerning how to generate income from savings. Given the importance of income to a retiree, Income – distribution planning has always been a high – stakes endeavor. Income planning mistakes and misjudgments are easily camouflaged by appreciating asset prices. The 14-year bull market has obscured a great many of those errors. But with positive performance of equity markets more doubtful, and with a shift away from the monetary policy that has kept asset prices climbing, the significance of advisors’ recommendations for retirement – income investing has grown.