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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!

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Justin Fitzpatrick, PhD, CFA, CFP - President and Co-Founder of Income Lab
Justin Fitzpatrick, PhD, CFA, CFP

Justin Fitzpatrick is President and Co-Founder of Income Lab, retirement income planning software used by thousands of financial advisors. He developed the guardrails-based approach to retirement income distribution after a decade in financial services at Jackson and seven years in academia at MIT, Harvard, and UCLA. His research on adjustment-based planning has been published on Kitces.com, ThinkAdvisor, AdvisorPerspectives, and FinancialPlanning Magazine.

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How Different Monte Carlo Models Perform In The Real World: Assessing Quality Of Predictiveness In Retirement Income Forecasting Models → Bob Veres of Inside Information covers Income Lab in the July edition of his newsletter, Inside Information → In Retirement, Your State Tax Bill Could be Zero → A dynamic approach to decumulation planning →

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