White Papers & Retirement Insights
Explore our library of expert resources designed to help you make informed decisions about your financial future. These white papers are available for free download — no forms, no catch, just valuable guidance for your journey toward a secure retirement.
Protected Lifetime Income
By Wade Pfau &
Emilio Pardo
Discover how annuities, through risk-pooling, can provide reliable lifetime income and enhance retirement income strategies in today’s uncertain markets.
License to
Spend
By Alliance for Lifetime Income
Learn how having dependable lifetime income empowers people to enjoy retirement without second-guessing their spending decisions.
Planning for Retirement Income
By Colin Devine & Ken Mungan
Gain insights on how to build a resilient income plan that can withstand inflation, volatility, and longer lifespans.
Aging, Cognitive Decline, and Financial Decision-Making
By Michael Finke,
Ph.D.
Understand how aging can affect financial judgment — and how to plan ahead with built-in safeguards and confidence.
Protection as an Asset Class
By Wade D. Pfau, Ph.D.,
CFA, RICP
Explore how protection-based tools can be part of a modern retirement portfolio — helping reduce downside risk and preserve long-term wealth.
How Annuities Fit Into The New Formula For Retirement
By Wade D. Pfau, Ph.D.,
CFA, RICP
Explore how protection-based tools can be part of a modern retirement portfolio — helping reduce downside risk and preserve long-term wealth.
Women’s Financial Wellness
By Suzanne Norman, CIMA, CPCC
Focuses on values-based planning, wealth building, and financial independence tailored specifically for women’s longevity and financial journeys.
Aligning Your Retirement Strategy to Your Lifestyle
fundamentally enhances retirement satisfaction with:
Reduced Spending Anxiety
A reliable income stream alleviates longevity risk, giving retirees the confidence that their funds will last.
Enhanced Retirement Confidence
With protected growth and income, retirees can easily manage a budget, eliminating the stress of depleting savings.
Protect Less Financially Savvy Spouses
In many households, one spouse manages the finances. If that spouse passes away or experiences cognitive decline, protected growth and income provides security for the surviving spouse, ensuring their ongoing needs are met.
Empowered Spending
Protected growth and income allows retirees to spend more freely and enjoy life without anxiety about market ups and downs. This stability increases retirement satisfaction, enabling even the most affluent retirees the freedom to enjoy this rewording phase of life.
Traditionally, wealth management has focused on asset accumulation, leaving retirees ill-prepared for the critical transition from their Growth Stage to their Income Stage. The outdated method of withdrawing 4% of retirement assets in the first year of retirement and adjusting for inflation is merely a withdrawal tactic; it is not an income strategy..
Neglecting to tackle the new retirement risks can lead to costly, ongoing revisions that increase stress and uncertainty.
But it doesn’t have to be that way.
By addressing these challenges and their multiple permutations, you can take proactive steps to secure a more stable retirement
We empathize with any anxiety this transition brings
Like you, we hear the noise created by the media and self-proclaimed experts.
Instead of getting caught up in the noise, we focus on a crucial element often missing from retirement strategies: an approach to protect the growth of your investments and generate income.
And it is just common sense.
The Stay InPlay Process
The Stay InPlay Process aligns your retirement strategy to your lifestyle.
Solves The Problem Of Scattershots Investments.
Zeros In Your Spending Goals, Generating Custom-Tailored Income Solutions.
Captures The Multifaceted Aspects of Retirement Plan.
Measures the Various Factors Regarding How You'd Like To Protect Your Investments And Generate Income.
Translates Your Growth and Income Preferences Into A Snapshot Of Appropriate, Viable Approaches That Fit Your Lifestyle.
Addressing the new retirement risks gives you confidence and clarity. Ignoring the new retirement risks can lead to costly, ongoing adjustments that increase stress and uncertainty.
Meet Mark Sherwin
Your Guide to a Protected Retirement
Mark is your dedicated guide for retirement income planning. With degrees in International Business and German from the University of Florida, Eckerd College, and the University of Freiburg in Germany, his diverse educational background provides a global perspective on retirement planning.
Over the thirty-plus years in the financial arena, Mark has held numerous certifications and licenses that enhance his ability to assist clients in retirement.
Licenses Mark Has Held:
Series 7 Securities License
Series 24 Securities Principal License
Series 65 Registered Investment Advisor
Series 214 Life Insurance License
Designations Mark Has Held:
Certified Estate Planning Practitioner (CEPP)
Certified Senior Advisor (CSA)
Certified Wealth Mentor (CWM)
Take the next step towards retirement confidence and Staying InPlay
At InPlay Retirement, we align protected growth and guaranteed lifetime income strategies to your retirement lifestyle, alleviating spending anxiety so you can embrace the future confidently.
Choosing a Retirement Income Approach
As you enter retirement, your financial priorities shift from wealth accumulation to income creation, a critical transition that shapes your future. For success, you must feel comfortable and confident in your retirement approach.
Protected Growth and
Income
As retirees look ahead to their financial futures, it is crucial to prioritize stable investment growth and establish dependable income sources
Guaranteed Lifetime
Income
Integrating guaranteed lifetime income into your retirement empowers you to enjoy newfound freedom to spend your hard earned wealth confidently.
Integrating guaranteed lifetime income into your retirement empowers you to enjoy newfound freedom to spend your hard earned wealth confidently.
