Clients are likely to be left high and dry if assets don’t provide returns as projected. (Photo: iStock)

Retirement’s gonna cost more, and advisors need to prepare their clients—not just by warning them, but by changing the way they plan for client portfolios.

That’s the assertion in “Planning for a More Expensive Retirement,” a study in the Journal of Financial Planning, which warns readers that recent studies are suggesting that the demand for stocks since 1980 has pushed down returns “below their historical average,” and that bonds are also providing yields that are considerably below historical averages.

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