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Hi, and welcome to the Longview. I'm Jeff Battack, Chief Ratings Officer for Morningstar Research Services.

On this week's episode, we'll be chatting about the State of Retirement Income study that

Christine and I recently co-authored with our colleague, John Reckenthaler, who joins us for this

conversation. This is the second year we've conducted this study, which examines how much retirees

can safely withdraw in retirement.

Much has changed since last year as the stock and bond markets have sold off and inflation has risen sharply.

This can create uncertainty about whether retirement assets will sustain spending over a multi-decade horizon,

an issue we explore in the study.

In this episode, I'll be asking Christine and John about the

state of retirement income study and key takeaways. For reference, you can find a link to the study

in the show notes to this episode. John, welcome back to the Longview, and Christine, thanks for

letting me turn the tables and pose questions to you and John. So, Christine, to get us started, can you describe

the state of retirement income study in broad terms? For example, what are we trying to assess in

conducting this study? Right. So figuring out what is a safe withdrawal rate for retirement is one of the

biggest problems in financial planning. And we see that

people really need help with this. In fact, several years ago, I remember being struck by a fidelity

...