Retirement income planning isn’t about eliminating risk. It’s about knowing where to help clients avoid, retain, or transfer risk depending on their retirement goals.

This eBook introduces the ART framework, a practical way to think more intentionally about retirement income risk and the role different strategies can play.

• Five key risks that can challenge retirement income
• How to think about risk through an Avoid, Retain or Transfer lens
• Hypothetical client scenarios that illustrate different approaches
• Questions that can lead to more purposeful retirement income conversations