WendyThis discussion, IMO, centers around one major pivot: is the individual in accumulation mode (i.e. doesn't have enough yet to feel secure in retirement) and/or is the individual in the more enviable position of having what they believe will be more than sufficient and now wants to engage in a safe level of drawdown that will accomplish both of the goals of having the individual not outlive their money and, perhaps, even leave a legacy for their heirs.Poz
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