As the CEO of a company whose mission is to help people secure retirement, I am obsessed with the unintended consequences of retirement planning and advice that focuses more on assets than income. It makes sense that the companies that produce this advice and manage the assets, from brokerages like Fidelity and Schwab to robo-advisors like WealthFront and Personal Capital, would promote the asset-first view of retirement because they make billions of dollars on fees from that model. But what if you could build your retirement around income with little to no fees, total transparency, and a built-in hedge for inflation?
