Wade Pfau explores the unique problem presented by sequence-of-return risk on a retiree’s “fragile decade” – the five years before and first five years in retirement – and how a new unbundled portfolio retirement income guarantee may help solve it. Learn how unbundling insurance protections from underlying investments allows advisors to wrap ETFs and mutual funds in client IRAs, Roth IRAs and brokerage accounts for improved flexibility and control.
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