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We are excited to have our Co-Founder, Justin Fitzpatrick and our Senior Advisor, Derek Tharp featured on the Michael Kitces blog! They co-authored their most recent article, “The Retirement Distribution “Hatchet”: Using Risk-Based Guardrails To Project Sustainable Cash Flows.”
It was a great article to help point out how “a risk-based guardrails model can provide clients with a more accurate picture of how much they can sustainably spend when compared to models based on static withdrawal rates or withdrawal-rate guardrails.
It also helps show how the work we are doing at Income Lab to lead the movement from withdrawal-rate guardrails to risk-based guardrails represents a significant improvement in planning quality for retirees!
