Understanding what retirees want and what keeps them up at night remain critical elements for financial professionals to solve for retirees. Mitigating longevity risk is an asset relocation story. Building asset location that creates both promised based and market based income sources that create a safe withdrawal rate from market based assets and a base level of income that cannot be destroyed or outlived. High priorities include income flow, discretionary liquidity, growth opportunities and legacy goals. In this session, learn about the myths and biases that surround these questions and show planners how to protect retirement income that mitigates longevity risk. 

Learning Objectives

  • Differentiate between asset allocation and asset relocation. 
  • Compare Promised Based vs. Market Based income solutions.
  • Explain longevity risk and methods of asset relocation that mitigate this risk while providing superior income and growth outcomes.


Level of Complexity: Intermediate

Course Information
Course Date:
November 05, 2019
FPA Annual Conference 2019: An Asset Relocation Story for Funding Retirement Longevity
Speaker Information
Curtis V. Cloke, RICP  [ view bio ]
Individual topic purchase: Selected
Financial Planning Association
CFP CE: 1.00
FPA Member Price:$29.00
Non-Member Price:$49.00