This session will feature three retirement spending topics. Panelists will kick-off the discussion with retirement income strategies and sustainable spending research and any updated methodologies and research in this area. Then, the group will explore how those work hand-in-hand with a dynamic draw-down approach in the decumulation phase, including safe withdrawal rates. Speakers will include not only the traditional risk factors of interest rates, inflation and standard deviation of various asset classes but also a client’s age, risk tolerance, health and other tough-to-measure criteria. Learning objectives: 1. Discover the latest research and hear differing viewpoints on sustainable spending on a retirement portfolio. 2. Gather information about new and trending retirement income strategies. 3. Uncover ideas and opportunities to help create a dynamic draw-down approach in the decumulation phase. 4. Gain knowledge as to how leading professionals are strategically helping their clients structure cash flow to meet their needs in retirement.