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What Is a Safety-First Retirement Plan?

The safety-first school of thought was originally derived from academic models of how people allocate their resources over a lifetime to maximize lifetime satisfaction.

Two Philosophies of Retirement Income Planning

Within the world of retirement income planning, the siloed nature of financial services between investments and insurance leads to two opposing philosophies about how to build a retirement plan.

The Changing Risks of Retirement

The changing risks of retirement are the primary differentiator of retirement income planning from traditional wealth management.

Improving Retirement Income Efficiency Using Reverse Mortgages

Maintaining higher fixed costs in retirement increases exposure to sequence risk by requiring a higher withdrawal rate from remaining assets. Drawing from a reverse mortgage has the potential to mitigate this aspect of sequence risk by reducing the need for portfolio withdrawals at inopportune times.