One of the key strategic decisions advisors who work with retiring clients face is whether to use systematic withdrawals or the “bucket” approach to serve investors transitioning from asset accumulation during their working years to income distribution during retirement. While these are not the only strategies, they are the two most popular and the debate over these two retirement income strategies is a fixture at financial advisor conferences.

To help advisors understand the trade-offs, the Principal Financial Group has released a new white paper that explores the relative merits of these two approaches. The paper, which assumes a generally neutral stance, walks advisors through both the advantages and shortcomings of both approaches.

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