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Research on “sustainable withdrawal rates” might lead us to believe that the historical periods that supported low withdrawal rates were the worst possible times to retire. In this webinar we’ll discuss how a focus on withdrawal rates alone blinds us to other important factors that affect client standard of living, like pre-retirement sequence of returns and the economic conditions at retirement. Once we take a broader view, we see that withdrawal rates are fairly poor predicters of standard of living in retirement and that monitoring and adjustment of income plans is a powerful way to optimize retirement income over time.