Retirement planning often focuses on accumulating a nest egg, and for good reason. If you don’t maintain a sufficient savings rate, allocate assets properly, and make tax-efficient investments during your working years, you risk reaching retirement age with insufficient resources.
Yet financial-planning conversations frequently give short shrift to the challenge of properly managing the decumulation phase of one’s life. Some retirees have accumulated a substantial amount of wealth, but instead of spending—and enjoying—the...
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