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June 9, 2010, Featured Articles
How Retirees Can Spend More Early (And Safely)
Bill Klinger's decumulation method involves techniques for moving payout rates up or down in response to market fluctuations. The New Jersey professor has also created the Retirement Quant planning tool.
“Most retirement income strategies assume a flat distribution in terms of real income,” said William J. Klinger, a professor at Raritan Valley Community College in New Jersey. “But I kept hearing of people who want to spend more instead of less early in retirement."
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