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For example, if you would receive enough of an income stream from SS and Pension alone to cover all of your expenses/needs, you may be able to be more aggressive with your asset allocation.

It wouldn't even have to cover all expenses, just a significant portion. If you need 4% of your portfolio (excluding any calculation of NPV for SS) for income, but SS and/or pension provides income equal 1.5% of your portfolio, managing the portfolio to last 30 years or longer becomes a whole lot easier.
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