Schedule your 15-minute call with Anthony or Cameron here: http://bit.ly/iwc15podcast Have you ever laid in bed at night and wondered if you have enough money to retire? In today’s episode we interview Dr. Wade Pfau, who has devoted his career to answering this question. Dr. Pfau is the Founder of the Retirement Researcher Blog which provides independent, data-driven and research-based information about retirement income planning. Today we discuss one of the biggest misconception's clients (and advisor’s) make when calculating cash flow in retirement. The “4% Rule” is often misunderstood and Dr. Pfau provides his insight into whether or not it is applicable in today’s low interest rate environment. Additional topics discussed include the following: What is the 4% Rule? Is it still applicable in today’s low interest rate environment? Whole Life vs. Universal Life Should I replace my Bond Portfolio with High Cash Value Life Insurance? What are the three types of Buffer Assets? Personal Pension/Volatility Buffer The case for annuities in a low interest rate environment What is a Reverse Mortgage? Reverse Mortgage vs. A HELOC To learn more about how to increase your income in retirement check out our on-line course at www.InfiniteWealthCourse.com Resources: Website: https://retirementresearcher.com/   How much can I Spend In Retirement? A guide to Investment-Based Income Strategies Reverse Mortgages: How to use Reverse Mortgages to Secure Your Retirement Safety-First Retirement Planning: An Integrated approach for a Worry-Free Retirement White Paper: Optimizing Retirement Income by Combining Actuarial Science and Investments Sequence of Returns Video- https://youtu.be/dbRDzZK4EK0