Solving for Retirement Income: Building a Strategy Tailored to You - J.T. Stilley

Presentation Summary:

There is no one-size-fits-all approach to retirement income planning. The “right” strategy depends on a variety of factors including lifestyle expectations, income needs, risk tolerance, longevity assumptions, liquidity needs, and legacy goals.

This presentation will discuss a practical framework for evaluating retirement income options and creating a strategy designed to align with an individual’s unique objectives and financial circumstances.

What you will learn:

• The Retirement Framework and how lifestyle, liquidity, longevity, and legacy goals shape retirement income decisions.
• How to build a Retirement Income Timeline to organize future expenses, reliable income sources, and identify potential income gaps.
• The primary strategies for generating retirement income, including protected income through annuities, portfolio withdrawals, and time-segmentation strategies.
• Key considerations surrounding fixed withdrawal rates versus a dynamic withdrawal approach using guardrails.
• How retirement income decisions connect with broader tax and estate planning objectives.