How do you turn decades of savings into retirement income without relying on a one-size-fits-all formula? David Gagnon explores balancing dependable income with long-term growth, including the roles of Social Security, pensions, annuities, and investment portfolios. He also examines why the 4% rule may be only a starting point, how market volatility can affect withdrawals, and ways retirees can approach required minimum distributions as part of a broader income strategy.



