The Wealth Debrief ExchangeThe Non-Linear Reality of Retirement Planning For ClientsRetirement outcomes are shaped not only by how much clients save, but also by when they retire. In this Wealth Debrief Exchange, hosted by David Veary, Tiaan Herselman, Head of Investment Consulting at Symmetry, explains the impact of sequence of returns risk and why poor market performance in the early years of retirement can have lasting consequences. They also unpack the 6% Conundrum versus the 7% Reality, exploring how the debate around a 4% or 6% “safe” withdrawal rate becomes less relevant when platform drawdowns are already averaging 7%, and how the combined impact of withdrawal rates can accelerate portfolio erosion. The discussion highlights how retirement portfolio construction is evolving to balance inflation-beating returns with effective downside risk management. Watch the full discussion below to discover how hybrid architectures and tactical allocation are reshaping retirement planning.