The holidays are here, and so is this fan-favorite throwback! Take a trip down memory lane with this re-uploaded video - the perfect way to celebrate the break.   In this episode, The Annuity Man and Wade Pfau discuss: Retirement Income Style Awareness (Risa) framework Wade's different viewpoint on retirement 4% rule of thumb and its limitations The truth about retirement planning strategies    Key Takeaways:  Understanding one's preferred retirement income strategy via the Retirement Income Style Awareness (Risa) framework. It assesses different retirement strategies that align with the retiree's needs and goals, such as total return investing, time segmentation or bucketing, and essential versus discretionary expenses. Go beyond viewing retirement as mere cessation from work and consider it as attaining fiscal independence to pursue passions and goals without dependency on income from employment. Read Wade Pfau's article on the 4% rule of thumb and its limitations. Additionally, explore the potential benefits of annuities as a tool for sustaining retirement spending over a long retirement. Explore the broader international experience in financial markets and retirement planning to better understand the uncertainties and challenges involved. Consider the impact of low interest rates on bond returns and the need for diversified retirement income strategies.   "We need to figure out what retirement strategy works for each individual because what works for one person may not work for another. It's about finding the style that resonates with you." - Wade Pfau   Connect with Wade Pfau: Website: retirementresearcher.com LinkedIn: https://www.linkedin.com/in/wpfau/ Twitter: WadePfau   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: [email protected]  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

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