Transition from retirement saving to retirement income. We develop strategies for you to transition from saving for retirement to spending in retirement. With the replacement of pensions with 401k plans and the uncertainty of Social Security's ability to maintain future benefits, the responsibility to provide retirement income has been placed more and more on individuals. Retirees have to deal with longevity, inflation and investment risks. As you transition from retirement saving to retirement spending, your strategies should also change. Retirees' focus is increasing the reliability of income while taking only the risk necessary. Our retirement income strategy divides your retirement into separate segments, each with a different investment objective and time horizon. The number and length of segments are customized to your cashflow needs. After each segment is spent, the next segment will then be moved to conservative allocation as was used in the first segment. This allows your long-term money to stay invested in the market for potential growth. The time-segmented structure of your income planning strategy will help you manage your emotions and design a personalized lifetime income plan based on your retirement spending goals.