For decades, the primary focus of retirement planning has been on the accumulation phase, and building up one's nest egg. But in recent years, it's become all too clear that having a solid strategy in place during the spend-down phase is equally, if not more, important.
I hear it in your voices and see it in your faces when you talk to me. Your fears about being able to retire comfortably and with dignity are weighing you down. It's hard to enjoy the present when you're worried about the future.