" 'Gamma' [is] designed to quantify the additional expected retirement income achieved by an individual investor from making more intelligent financial planning decisions.... [A] retiree can expect to generate 29% more income on a 'utility-adjusted' basis using a Gamma-efficient retirement income strategy when compared to [a] base scenario, which assumes a 4% constant real withdrawal and a 20% equity allocation portfolio.... Unlike traditional alpha, which can be hard to predict, ... Gamma (and Gamma equivalent alpha) can be achieved by anyone following an efficient financial planning strategy."