Lead planner at Meridian, focused on retirement income design and withdrawal strategy. Certified Financial Planner™ with eighteen years advising households through the transition from earning to drawing down.
Two retirees can earn identical average returns and end up in completely different places. The difference is timing — and there are four defenses that actually work.
"Three to six months" averages together situations that have nothing in common. Size the reserve from your own risk, then stage it so it is not all sitting in cash.
