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The Strategy


According to Kiplinger, “The biggest threat to retirement wealth is withdrawing too much money from a shrinking nest egg, because there may not be enough left to benefit from the inevitable market rebound.”


That statement is correct, and it argues for “time-segmenting” your retirement savings. Time segmentation makes it easier to align your retirement timeline with your investment strategy. It may also help you mitigate Timing Risk and Inflation Risk. By supplementing Social Security with a deferred income annuity, you can also better protect against Longevity Risk– the possibility of outliving your income.


The emphasis is on helping you manage key risks.