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How to ensure adequate retirement income Investors can have sufficient retirement income even in a low-return environment if they opt to defer their Social Security benefit until they turn 70, according to an article in The Wall Street Journal. Clients can also ensure their future financial security if their retirement income will be enough to cover their fixed expenses like mortgage and taxes, and they hold a cash cushion, such as certificates of deposit, reserved for discretionary spending. As all expenses are covered, they can take an aggressive approach to boost their investments and may adjust their spending according to inflation and other market trends.  -- The Wall Street Journal

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