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How Do Your Funding Tactics Work Together In Your Retirement Income Framework?

How Do Your Funding Tactics Work Together In Your Retirement Income Framework?

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This is part of my series outlining the importance of implementing a retirement income framework. Last year, my colleague Alex Murguia and I developed a framework called the Retirement Income Optimization Map™, which I am using in this series as an example of how to use such a framework.

The RIO Questionnaire covers several topics, including the Retirement Income Funding portion of the RIO framework, which is expressed on the Map as a series of arrows connecting the retirement assets to the retirement liabilities.

The Retirement Income Optimization Map™
The Retirement Income Optimization Map™

Retirement Researcher 2017

The Retirement Income Optimization Map™

This is where you assess the path to your destination.

Here you want to explore how well it all comes together, if you are “on track,” and what changes, if any, need to be made to your retirement journey. This is the financial planning portion of your RIO Map™. It is the map’s compass to help set you on your course to determine if your preferred tactics are more probability-based or safety-first.

Click here to download Wade’s resource “Spending from Investment Portfolios.”

It is about making sure that assets are used efficiently to meet goals and cover liabilities. It…

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