Frequently Asked Questions
Need assistance with retirement spending strategies? RightCapital is here to help! Please use the common questions and answers below to assist you in generating financial plans. For additional assistance use the link to our support team at the bottom of the article.
The retirement spending strategy will only impact retirement living expenses, entered within the Profile > Goals > Retirement Expense card. The spending smile and spending stages will adjust retirement spending along with lifestyle changes as clients age, while the Floor and Ceiling and Guardrails strategies will adapt retirement spending based on market performance.
To read more details and background for each strategy type, click here.
You can read more about how each strategy works within the Advisor Portal > Models > Retirement Spending tab. You can also adjust the rules and parameters for each strategy, to best suit your needs and preferences. For a quick video tutorial on Editing Retirement Spending Strategies, click here.
In addition to making edits to the default spending strategies, you can also create completely customized one-off models in the Advisor Portal > Models > Retirement Spending tab. For a quick video overview of creating custom spending strategies, click here.
Yes! In the Retirement Analysis section, you can propose a new spending strategy within the Action Items at the bottom of the page. For a quick video tutorial on proposing new retirement spending strategies, click here. 
After implementing a spending strategy within a proposal, the best place to visually see the impact is within the Retirement > Analysis > Retirement Details chart. Here you can isolate just the Retirement Expenses within the plan, to easily see the fluctuations in retirement spending over time:
You will also find dedicated charts for the Guardrails and Floor and Ceiling strategies, if one of them is being used in your proposal. These charts are designed to highlight the more specific impacts of each of these strategies on a client's retirement living expenses over time:
