You might want to look at this Wade Pfau article:http://advisorperspectives.com/dshort/guest/Wade-Phau-121215...Actually I had a difficult time finding the original study. But here are some by others that may help:https://corporate.morningstar.com/us/documents/ResearchPaper...http://www.fpanet.org/journal/CurrentIssue/TableofContents/A...Intercst may have the best simplified method for doing this.BobRYR Home Fool
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