How you spend your savings is asimportant as how you accumulated them. (Photo: Getty)

Despite the evidence that, in general, those who have retired –especially those who have been retired for a significant amount oftime – are spending less and at a slower rate than might have beenassumed, there would seem to be little reason to believe that thisbehavior will hold true for future generations.

However, while experts continue to exhort all currently employedAmericans to adopt a prudent approach to accumulating savings forretirement, what do they recommend to those already retired when itcomes to “decumulation”?

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