About this episode

The episode discusses trends in retirement income planning with insights from industry experts Sheryl O'Connor and Phil Lubinski.

Continuing our special series on post retirement income planning, we sit down with Sheryl O'Connor (CEO and co-founder of IncomeConductor) and Phil Lubinski (CFP, co-founder, former retail advisor specializing in retirees, and developer of the time-segmented income strategy that underpins the platform). Sheryl provides some high level industry trends including: 1) Increased Focus on Healthcare & Long-Term Care, 2) Longevity & Personalized Financial Projections, and 3) Growing Annuity Adoption. Phil speaks frequently with advisors and he finds a growing shift among advisors to 1) offer comprehensive, client-centered retirement expertise with 2) tools enabling precise, integrated modeling of guarantees, growth, and risks. Additional points brought up in this episode: Modern retirees want engagement in plan development (vs. passive in the 1980s). Time-segmented approach aligns with goal-based planning (like accumulation for multiple horizons). More guaranteed income boosts willingness to take risk and gives "permission to spend" (reducing underspending in "go-go" early retirement phases). Proactive tax planning addresses "retirement's tax trifecta" (RMDs, spousal death bracket…

People in this episode

Guests: Sheryl O'Connor, Phil Lubinski

Topics covered

• retirement income planning
• financial projections
• annuities
• client-centered retirement expertise
• tax planning
• technology in financial planning

Keywords

• retirement
• income planning
• financial advice
• annuities
• healthcare
• tax planning
• technology
• risk management

Mentioned in this episode

Organizations: IncomeConductor

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