About This Book:
Pfau offers an in-depth exploration of the safety-first school of retirement income planning—prioritizing secure, predictable income for essential expenses before adding growth assets.
Core Concepts:
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Income floor methodology: Use bonds, Social Security, pensions, annuities to secure basic retirement needs.
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Contrast with probability-based plans: Emphasizes risk pooling over relying solely on market returns.
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Asset-liability matching: Align cash flows to spending phases—secure essential, growth for discretionary.
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Addresses longevity, market, sequence-of-returns, and spending shock risks.
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Includes case studies, charts, and comparative tables for practical application.
Product details:
- Publisher : Retirement Researcher Media (September 30, 2019)
- Language : English
- Paperback : 366 pages
- ISBN-10 : 1945640065
- ISBN-13 : 978-1945640063
- Item Weight : 1.08 pounds
- Dimensions : 6 x 0.83 x 9 inches.










I bought this book and i would say its worth the money i was a person who used to spend all the money and just sit in the end of month thinking about what i am gonna do after my retirement but this book got me it motivated me for my future and my life i would surely recommend it to everyone.