In this study we analyze the variability and average level of spending in retirement under two
strategies: the popular" 4% rule" and what we will term the self-funded variable annuity …

The practical advice to the multi-period portfolio rebalancing problem with personal tax is to
make adjustments over a long period of time. The reason for this non-quantitative advice is …

This article shows why diversified simultaneous retirement funding drawn from accounts with
differing tax treatments will save more on taxes than sequential withdrawal. We utilize …