The New Retirement Reality

Advisors often view retirement income planning through the lens of the 4% rule, but changes in longevity and a lower-return environment challenge conventional wisdom about safe withdrawal rates. This session will discuss what it means to take risk with an investment portfolio in retirement, how high prices for bonds and stocks will impact withdrawal rate projection, and the actual risk of health care expenses. The session will conclude with strategies to deal with a new retirement reality to maximize income from retirement wealth.

Learning Objectives:

1. Review and understand current conventional wisdom about safe withdrawal rates
2. Discuss what it means to take risk with an investment portfolio in retirement
3. Understand how high prices for bonds and stocks will impact withdrawal rate projections
4. Understand the actual risk of health care expenses

In-Kind Sponsor: Lincoln Financial Distributors, Inc.