One of Otar's central arguments is that the financial industry often fails to distinguish between the "accumulation phase" (saving for retirement) and the "distribution phase" (spending in retirement).
: Strategies like asset allocation and diversification that work while you are growing your wealth will continue to protect you when you begin withdrawing it. Unveiling The Retirement Myth
: If the market averages 7% over 30 years, your portfolio will sustain a consistent withdrawal rate based on that average. One of Otar's central arguments is that the