5 Income Sources for a Diversified Retirement

Need a reliable retirement income plan? Learn from the creator of the 4% Rule, Bill Bengen, and legendary experts Wade Pfau, Dana Anspach, and Mary Beth Franklin in this masterclass.

This is your definitive guide to turning your hard-earned savings into steady, reliable income for the rest of your life. In this incredible panel, the creator of the 4% Rule himself, Bill Bengen, reveals his updated thinking on the optimal stock allocation for today's retirees. We dive deep into actionable strategies, including how to build a "bond ladder" to de-risk your retirement, with a real-life example from financial planner Dana Anspach showing how it works in practice.

Discover the "increasing equity glide path," a counterintuitive strategy that can help your money last longer. Plus, get timely and essential information on everything you need to know about Social Security in 2025. To make it all real, renowned journalist Mary Beth Franklin shares the details of her personal retirement income plan. If you want to build a diversified and resilient financial future, the wisdom from this legendary panel is priceless.

🕒 Timestamps 🕒
00:00 - Intro: 5 Income Sources for a Diversified Retirement
01:10 - Wade Pfau: How Much of Your Portfolio Should Be in Annuities?
02:56 - Bill Bengen: The Optimal Stock Allocation for Retirees (Creator of the 4% Rule)
04:21 - The 'Increasing Equity Glide Path': A Counterintuitive Strategy That Works
05:37 - Wade Pfau: How to Build a 'Bond Ladder' to De-Risk Your Retirement
07:08 - Dana Anspach: A Real-Life Look at a Bond Ladder Strategy in Action
11:02 - Mary Beth Franklin: My Personal Retirement Income Plan
12:27 - Everything You Need to Know About Social Security in 2025
16:15 - Coming Up: Tax-Efficient Withdrawal Strategies

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"Retirement Income Strategies: Maximizing Returns for Financial Freedom"
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🌟 Meet Our Esteemed Guests 🌟

Wade Pfau, PhD, CFA, RICP® (Retirement Income Certified Professional®) is the professor at The American College of Financial Services and author of the "Retirement Planning Guidebook." As a partner at McLean Asset Management and Retirement Researcher, he puts his research on retirement income planning into practice with clients. With a Ph.D. from Princeton University in economics, Wade's research is regularly featured in top financial planning journals.
https://risaprofile.com
https://retirementresearcher.com

Dana Anspach, CFP®, RMA®, is the Founder and CEO of Sensible Money, LLC, where she specializes in helping pre-retirees and retirees create sustainable retirement income strategies. She is the author of Control Your Retirement Destiny (2nd Edition) and Social Security Sense, has contributed expert retirement planning content to MarketWatch and US News & World Report, and previously wrote for About.com’s MoneyOver55 section, which evolved into The Balance.
https://sensiblemoney.com

Mary Beth Franklin, CFP®, is one of the nation’s leading experts on Social Security, Medicare, and retirement income planning. A veteran financial journalist with over 40 years of experience, she has written for Investment News and Kiplinger’s Personal Finance, and is the author of Maximizing Your Social Security Retirement Benefits, helping both consumers and financial professionals optimize their retirement strategies.
https://marybethfranklin.com

Bill Bengen, a retired financial planner, is best known for creating the groundbreaking "4% Rule," a widely referenced guideline for sustainable retirement withdrawals. With a background in aerospace engineering from MIT and a master’s degree in financial planning, Bengen’s research on safe withdrawal rates has earned him numerous accolades and recognition in the financial planning industry.
  / william-bengen-21b159196  

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🎥 Episode Credits:
Host: Andy W
Animation and Design: Chad Lawrence
Executive Producer / Showrunner: Bradley Jon Eaglefeather

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