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Regional Vice President, Sales MAP Retirement USA LLC
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Strongpoint Partners
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BPAS
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BPAS
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Compass
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Cash Balance/ Defined Benefit Plan Administrator Steidle Pension Solutions, LLC
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Managing Director - Operations, Benefits Daybright Financial
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DC Retirement Plan Administrator Michigan Pension & Actuarial Services, LLC
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Relationship Manager for Defined Benefit/Cash Balance Plans Daybright Financial
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Age Banding to Model the Decline in Retirement Spending
Michael Kitces in Nerd's Eye View 
Nov. 2, 2016
"[P]rojecting retirement expenses using an age-banding approach may allow for a more nuanced and accurate representation of how spending will change over time. Which is important, because the data indicating that retiree expenses tend to fall throughout retirement -- especially in some categories -- implies that retirees may not actually need to be saving as much, or accumulating as large of a nest egg, to retire in the first place!"
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