Asset Allocation in Retirement: How Can Advisors Build a Safer Income?

This presentation explores the methods advisors can use to build income from stocks and bonds and explains how asset allocation, return expectations, liability driven strategies, and pooling longevity risk impact the expected amount of income a retiree can create from investments. The presentation will include a discussion about establishing an appropriate time horizon for higher-income clients and the newest research on retiree spending patterns. I will discuss the pros and cons of various financial products including customized bond ladders, annuities, and tontine-like innovations.