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3-S Income for Retirement

The MRT team’s article titled “Crafting Retirement Income that is Stable, Secure, and Sustainable” is now available in the December issue of the Journal of Financial Planning. MRT defines retirement income planning through the 3-S Income model (stable, secure, sustainable).


[quote style=”boxed”]Financial planners are driven by the passionate desire to serve clients with evidence-based convictions. Yet, planners often seem locked in a battle with each other over the superior method to deliver retirement income to clients. Often, this leads to staking out a position that one method is universally superior to others. [/quote]

[quote style=”boxed”]In theory and in practice there are multiple paths to forming a retirement plan for clients. An individual client’s retirement income plan that attempts to account for unbounded conditions cannot be solved by math; a more robust framework is needed. This different logical framework must ask, “What is the question under the question of the best solution for retirement income?” We believe that deeper question is, “What kind of income is preferred and desired during retirement?”[/quote]

Read more in the December 2017 issue of the Journal of Financial Planning.

[box style=”rounded” border=”full”]Reprinted with permission by the Financial Planning Association, Journal of Financial Planning. For additional information on the Financial Planning Association, please visit or call 1.800.322.4237.[/box]

By Jason Branning

Jason K. Branning, CFP®, RICP® is co-founder of Modern Retirement Theory.