Comprehensive Financial Planning for a Sustainable Retirement^†

Bajtelsmit, V & Wang, T 2018, ‘Household financial planning strategies for managing longevity risk,’ Financial Planning Review, vol. 1, nos. 1–2, e1007. https://doi.org/10.1002/cfp2.1007 BajtelsmitV WangT 2018 ‘Household financial planning strategies for managing longevity risk,’ Financial Planning Review 1 1–2 e1007 https://doi.org/10.1002/cfp2.1007 Search in Google Scholar

Bengen, W 1994, ‘Determining Withdrawal Rates Using Historical Data,’ Journal of Financial Planning, pp. 14–24. BengenW 1994 ‘Determining Withdrawal Rates Using Historical Data,’ Journal of Financial Planning 14 24 Search in Google Scholar

Collins, P, Lam, H & Stampfli, J 2015, ‘How risky is your retirement income risk model?’ Financial Services Review, vol. 24, no. 3, pp. 193–216. CollinsP LamH StampfliJ 2015 ‘How risky is your retirement income risk model?’ Financial Services Review 24 3 193 216 Search in Google Scholar

Daley, J, Coates, B, Wiltshire, T, Emslie, O, Nolan, J & Chen, T 2018, Money in retirement: More than enough. Grattan Institute. 142 pages. https://grattan.edu.au/wp-content/uploads/2018/11/912-Money-in-retirement.pdf DaleyJ CoatesB WiltshireT EmslieO NolanJ ChenT 2018 Money in retirement: More than enough Grattan Institute 142 pages. https://grattan.edu.au/wp-content/uploads/2018/11/912-Money-in-retirement.pdf Search in Google Scholar

Drew, M & Walk, A 2015, ‘Just how safe are ‘safe withdrawal rates’ in retirement?’ Financial Planning Research Journal, vol. 1, pp. 22–33. DrewM WalkA 2015 ‘Just how safe are ‘safe withdrawal rates’ in retirement?’ Financial Planning Research Journal 1 22 33 Search in Google Scholar

Estrada, J 2023, ‘Retirement Planning—Is One Number Enough?’ Journal of Financial Planning, vol. 36, no. 7, pp. 64–81. EstradaJ 2023 ‘Retirement Planning—Is One Number Enough?’ Journal of Financial Planning 36 7 64 81 Search in Google Scholar

Estrada, J & Kritzman, M 2019, ‘Toward Determining the Optimal Investment Strategy for Retirement,’ Journal of Retirement, Summer, pp. 35–42. EstradaJ KritzmanM 2019 ‘Toward Determining the Optimal Investment Strategy for Retirement,’ Journal of Retirement Summer 35 42 Search in Google Scholar

Finke, M, Pfau, W & Blanchett, D 2013, ‘The 4 Percent Rule Is Not Safe in a Low-Yield World,’ Journal of Financial Planning, vol. 26, no. 6, pp. 46–55. FinkeM PfauW BlanchettD 2013 ‘The 4 Percent Rule Is Not Safe in a Low-Yield World,’ Journal of Financial Planning 26 6 46 55 Search in Google Scholar

Fisher, J, Johnson, D S, Marchand, J, Smeeding, T & Torrey, B 2005, ‘The Retirement Consumption Conundrum: Evidence from a Consumption Survey’ Working Paper 2005–14.’ Chestnut Hill, MA: Center for Retirement Research at Boston College. https://crr.bc.edu/the-retirement-consumption-conundrum-evidence-from-a-consumption-survey/ FisherJ JohnsonD S MarchandJ SmeedingT TorreyB 2005 ‘The Retirement Consumption Conundrum: Evidence from a Consumption Survey’ Working Paper 2005–14.’ Chestnut Hill, MA Center for Retirement Research at Boston College https://crr.bc.edu/the-retirement-consumption-conundrum-evidence-from-a-consumption-survey/ Search in Google Scholar

Ho, K, Milevsky, M A & Robinson, C 1996, ‘Risk-adjusted retirement.’ Canadian Investment Review, Spring, pp. 19–27. HoK MilevskyM A RobinsonC 1996 ‘Risk-adjusted retirement.’ Canadian Investment Review Spring 19 27 Search in Google Scholar

Ho, K, Robinson, C, Letkiewicz, J & Zaremba, V 2022, Personal Financial Planning, Captus Press. HoK RobinsonC LetkiewiczJ ZarembaV 2022 Personal Financial Planning Captus Press Search in Google Scholar

Huang, H, Milevsky, M A & Salisbury, T 2017, ‘Retirement spending and biological age,’ Journal of Economic Dynamics & Control, vol. 84, pp. 58–76. HuangH MilevskyM A SalisburyT 2017 ‘Retirement spending and biological age,’ Journal of Economic Dynamics & Control 84 58 76 Search in Google Scholar

Lachance, M E 2012, ‘Optimal onset and exhaustion of retirement savings in a life-cycle model,’ Journal of Pension Economics and Finance, vol. 11, no. 2, pp. 21–52. LachanceM E 2012 ‘Optimal onset and exhaustion of retirement savings in a life-cycle model,’ Journal of Pension Economics and Finance 11 2 21 52 Search in Google Scholar

Lee S T, & Hanna S 2020, ‘Financial knowledge overconfidence and early withdrawals from retirement accounts,’ Financial Planning Review, Vol. 3, no. 2, e1091. https://doi.org/10.1002/cfp2.1091 LeeS T HannaS 2020 ‘Financial knowledge overconfidence and early withdrawals from retirement accounts,’ Financial Planning Review 3 2 e1091 https://doi.org/10.1002/cfp2.1091 Search in Google Scholar

MacDonald, B J, Morrison, R J & Avery, M 2018, Exploring The ‘Risk’ of Ignoring Risks in Retirement Financial Planning, Working paper. https://fpcanadaresearchfoundation.ca/media/g2nfiwsj/understanding-the-importance-of-risk-for-financial-planning.pdf MacDonaldB J MorrisonR J AveryM 2018 Exploring The ‘Risk’ of Ignoring Risks in Retirement Financial Planning Working paper. https://fpcanadaresearchfoundation.ca/media/g2nfiwsj/understanding-the-importance-of-risk-for-financial-planning.pdf Search in Google Scholar

Milevsky, M A 1997, ‘The present value of a stochastic perpetuity and the Gamma distribution,’ Insurance: Mathematics and Economics, vol. 20, pp. 243–250. MilevskyM A 1997 ‘The present value of a stochastic perpetuity and the Gamma distribution,’ Insurance: Mathematics and Economics 20 243 250 Search in Google Scholar

Milevsky, M A 2016, ‘It’s Time to Retire Ruin (Probabilities),’ Financial Analysts Journal, March/April, pp. 8–12. MilevskyM A 2016 ‘It’s Time to Retire Ruin (Probabilities),’ Financial Analysts Journal March/April 8 12 Search in Google Scholar

Milevsky, M A & Robinson, C 2000, ‘Self-annuitization and ruin in retirement,’ North American Actuarial Journal, vol. 4, pp. 1–17. MilevskyM A RobinsonC 2000 ‘Self-annuitization and ruin in retirement,’ North American Actuarial Journal 4 1 17 Search in Google Scholar

Milevsky, M A & Robinson, C 2005, ‘A Sustainable Spending Rate Without Simulation,’ Financial Analysts Journal, vol. 61, no. 6, pp. 89–100. MilevskyM A RobinsonC 2005 ‘A Sustainable Spending Rate Without Simulation,’ Financial Analysts Journal 61 6 89 100 Search in Google Scholar

OECD nd, Gender Wage Gap, https://data.oecd.org/earnwage/gender-wage-gap.htm OECD nd, Gender Wage Gap https://data.oecd.org/earnwage/gender-wage-gap.htm Search in Google Scholar

Robinson, C & Tahani, N 2010, ‘Sustainable Retirement Income for the Gardener, the Socialite and the Uninsured,’ Financial Services Review, vol. 19, no.3, pp. 187–202. RobinsonC TahaniN 2010 ‘Sustainable Retirement Income for the Gardener, the Socialite and the Uninsured,’ Financial Services Review 19 3 187 202 Search in Google Scholar

Suarez, E D 2020, ‘The perfect withdrawal amount over the historical record,’ Financial Services Review, vol. 28, no. 2, pp. 96–132. SuarezE D 2020 ‘The perfect withdrawal amount over the historical record,’ Financial Services Review 28 2 96 132 Search in Google Scholar

Suarez, E D, Suarez, A & Walz, D 2015, ‘The perfect withdrawal amount: A methodology for creating retirement account distribution strategies,’ Financial Services Review, vol. 24, no. 4, pp. 331–57. SuarezE D SuarezA WalzD 2015 ‘The perfect withdrawal amount: A methodology for creating retirement account distribution strategies,’ Financial Services Review 24 4 331 57 Search in Google Scholar

Tahani, N & Robinson, C 2010, ‘Freedom 55 or Drudgery until 70?’ Financial Services Review, vol. 19, no. 4, pp. 275–84. TahaniN RobinsonC 2010 ‘Freedom 55 or Drudgery until 70?’ Financial Services Review 19 4 275 84 Search in Google Scholar

Vettese, F & Morneau, B 2013, The Real Retirement, John Wiley. VetteseF MorneauB 2013 The Real Retirement John Wiley Search in Google Scholar

Willows, G 2020, ‘Develop a retirement plan and stick to it: it will improve both your attitude and behaviour with money,’ Financial Services Review, vol. 20, no. 3, pp. 243–71. WillowsG 2020 ‘Develop a retirement plan and stick to it: it will improve both your attitude and behaviour with money,’ Financial Services Review 20 3 243 71 Search in Google Scholar

World Health Organization 2023, Country, area, WHO region and global health statistics, spreadsheet, https://www.who.int/data/gho/publications/world-health-statistics World Health Organization 2023 Country, area, WHO region and global health statistics, spreadsheet https://www.who.int/data/gho/publications/world-health-statistics Search in Google Scholar

Yaari, M 1965, ‘Uncertain lifetime, life insurance, and the theory of the consumer,’ The Review of Economic Studies, vol. 32, no. 2, pp, 137–150. YaariM 1965 ‘Uncertain lifetime, life insurance, and the theory of the consumer,’ The Review of Economic Studies 32 2 137 150 Search in Google Scholar