Lifecycle Financial Planning: Distribution Planning Theories

This course explores the foundational concepts and advanced strategies in retirement distribution planning. Starting with Bengen’s landmark Safe Withdrawal Rate (SWR) research, participants will examine updated academic studies, practical applications, and behavioral finance considerations that affect real-world financial planning. Learn how factors such as asset allocation, withdrawal timing, and individual risk tolerance influence retirement portfolio sustainability. Financial professionals will leave with deeper insights into designing and adjusting investment policy statements (IPS) and addressing client behavioral biases during retirement.

Topics Covered:

• Distribution Planning Fundamentals
• Safe Withdrawal Rate (SWR) Theory
• Bengen’s 1994 and 2006 Research
• Asset Allocation Impacts on SWR
• Glide Path Theories (Traditional vs. Reverse)
• Behavioral Finance in Retirement Planning
• Inflation and Market Impact on SWR
• Updating Investment Policy Statements (IPS)
• Bequest Goals vs. Portfolio Longevity
• Spending Patterns in Retirement
• Real-World Case Studies & Client Examples