The Math Of Retirement

If you want honesty, I did not think highly of the presentation until Q&A when sequence of returns risk was addressed. That helped. Still concerned about historical numbers to generate expected future returns.... a 10% stock return? That flies in the face of all ERP surveys. Also how often does history include both low bond returns and low stock returns? Net, net... this is a complicated topic and the final tables were an interesting way to illustrate. Lowering spending instead of raising stock alloc better

I can see using these charts mainly to help younger clients. Also, I'd love to hear more about how best to dial back risk exposure just before and just after retirement.

great