present options
If income is less than Expenditure
- Delay/phase retirement
- Review discretionary expenses
- Continue to work (f/part time)
- Leverage other assets
- Other options
If income is more than expenditure
- Review Options
- Suitability of existing arrangements
- Match products/features to objectives
- Discuss pros and cons of different strategies
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Annuity
- Type
- Death benefits
- Escalation
Drawdown
- Income sustainability
- Investment strategy
- Risks
Blend
- Annuity/drawdown mix