1 rich Libsyn https://www.libsyn.com 300 600 Continuing our special series on post retirement income planning, we sit down with Sheryl O'Connor (CEO and co-founder of IncomeConductor) and Phil Lubinski (CFP, co-founder, former retail advisor specializing in retirees, and developer of the time-segmented income strategy that underpins the platform). Sheryl provides some high level industry trends including: 1)&amp;nbsp;Increased Focus on Healthcare &amp;amp; Long-Term Care, 2) Longevity &amp;amp; Personalized Financial Projections, and 3)&amp;nbsp;Growing Annuity Adoption. Phil speaks frequently with advisors and he finds a growing shift among advisors to 1) offer comprehensive, client-centered retirement expertise with 2) tools enabling precise, integrated modeling of guarantees, growth, and risks.&amp;nbsp; Additional points brought up in this episode: Modern retirees want engagement in plan development (vs. passive in the 1980s).&amp;nbsp; Time-segmented approach aligns with goal-based planning (like accumulation for multiple horizons). More guaranteed income boosts willingness to take risk and gives &quot;permission to spend&quot; (reducing underspending in &quot;go-go&quot; early retirement phases). Proactive tax planning addresses &quot;retirement's tax trifecta&quot; (RMDs, spousal death bracket jumps, generational transfers). Competition (targeting 50+ demographic) drives advisors toward specialization over compliance fears; technology/AI enables scalable, deeper planning. Advisor Success Series https://freedomadvisors.com/ <iframe title="Libsyn Player" style="border: none" src="//html5-player.libsyn.com/embed/episode/id/39995120/height/300/theme/custom/thumbnail/yes/direction/forward/render-playlist/no/custom-color/88AA3C/" height="300" width="600" scrolling="no" allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen></iframe> https://assets.libsyn.com/secure/item/39995120