The biggest question is not how much money do I need? It is how much income do I need. Then, how long will your retirement last, 20, 25 or 30 years? You need to transition from accumulating money to spending money. You need an income distribution plan. A steady and reliable income stream that lasts for your lifetime. But only 75 % of retirees have an income that will last 10 years! You don’t want to be part of this group. What are the top concerns retirees have? The important steps to include in your planning process for a happy retirement. Learn how to design an income plan with smart, prudent and creative advice.