A Path To Smarter Decumulation

2025-12-24 05:50:00 ET

Introduction

The modern retirement landscape, characterized by the decline of defined benefit pensions and the shift to self-directed defined contribution plans, has created a fundamental paradox: retirees often possess substantial capital yet may be paralyzed by the psychological and structural challenges of spending it. This inability to transition from saving to spending prevents many from fully enjoying the wealth they spent a lifetime deferring....

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